Collectibles Insurance
Offered by MiniCo Insurance
Description
Why Purchase a Separate Collectibles Insurance Policy?
Serious collectors need specialty coverage that protects the full collectible value of their items. MiniCo Collectibles Insurance covers hundreds of collections from fine art to sports memorabilia.
MiniCo Collectibles Insurance offers more complete coverage at a competitive premium when compared to traditional homeowner policies. Plus the application process is simple and fast.
Benefits to Your Clients:
• Coverage up to $1,000,000 (higher limits available)
• Insured for full collectible value
• No appraisal required at application*
• $0 deductible and competitive premiums
• A.M. Best “A” rated carrier
Benefits to You:
• Competitive agent commissions
• No minimum production requirements
• Easy online portal to quote and bind policies
• Value for your personal line clients
• Growth opportunity for your business
MiniCo Collectibles Policy
Standard Homeowner Policy
Requires appraisals
NO*
Yes
Requires a detailed inventory
NO (only list items worth more than $25,000)
Yes
Pays claims
Full collectible value
Actual cash value
(depreciated value)
Deductible
$0 per occurrence
(higher limits available)
$500 per occurrence or more
Coverage limits
Up to $1,000,000
(higher limits available)
$500-$2,000
Imposes sub-limits
NO
Yes
Insures against risk of accidental breakage
YES
No
Serious collectors need specialty coverage that protects the full collectible value of their items. MiniCo Collectibles Insurance covers hundreds of collections from fine art to sports memorabilia.
MiniCo Collectibles Insurance offers more complete coverage at a competitive premium when compared to traditional homeowner policies. Plus the application process is simple and fast.
Benefits to Your Clients:
• Coverage up to $1,000,000 (higher limits available)
• Insured for full collectible value
• No appraisal required at application*
• $0 deductible and competitive premiums
• A.M. Best “A” rated carrier
Benefits to You:
• Competitive agent commissions
• No minimum production requirements
• Easy online portal to quote and bind policies
• Value for your personal line clients
• Growth opportunity for your business
MiniCo Collectibles Policy
Standard Homeowner Policy
Requires appraisals
NO*
Yes
Requires a detailed inventory
NO (only list items worth more than $25,000)
Yes
Pays claims
Full collectible value
Actual cash value
(depreciated value)
Deductible
$0 per occurrence
(higher limits available)
$500 per occurrence or more
Coverage limits
Up to $1,000,000
(higher limits available)
$500-$2,000
Imposes sub-limits
NO
Yes
Insures against risk of accidental breakage
YES
No
*Appraisal required for jewelry/watch items valued over $50,000.
Details
Carrier Information
Admitted
Offered By
Availability 50 states + DC
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Covered
Not Covered
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