OK, I'd like to have a chat about insurance, specifically about how people insure their pins against loss or damage.
1. What is the company you use?
2. Exactly what kind and amount of coverage do you have?
3. Have you actually talked to your insurance agent about your pins specifically, to find out how they classify them, and how they insure them?
4. Has anyone actually had to make a claim against their insurance for loss or damage of their pins and what was the result?
I ask these things because I am in PA, and have had State Farm insurance for years.
After a long and in-depth discussion with my agent, he indicated that in the event of loss or damage to my pins they would NOT be covered by State Farm under my Homeowner's policy.
The reasoning was that the buying, fixing up, and sometimes selling or trading of my pinball machines, even though they are my personal possessions and NOT a business I was operating out of my home, they would count as "business inventory or property" in the event of loss or damage and they wouldn't pay a red cent.
Talk to your agent, and be as specific and open as possible about your pins and what you do with them.
You may be in for a hell of a surprise.