Collectibles Insurance
As lifelong card collectors ourselves, we know that card collectors can use all the help they can get to protect their rare sports cards. Most enthusiastic collectors of valuable sports cards have large collections of rare collectibles in their possession. Whether rare cards from the past, recent redemption cards, PSA or Beckett graded cards, autographs, complete sets or just collections of certain players, protecting these collectibles is essential.
Private Collection Insurance (PCI) recognizes that sports card collections and other memorabilia hold tremendous nostalgia and represent cherished memories, unbelievable pulls and significant investment pieces. PCI specializes in providing customized insurance solutions for high-value collectibles, including sports cards, memorabilia, jewellery, fine art and more.
Your Collection Is More Than Items & PCI Understands That Like Nobody Else
From highly sought-after rookie cards to limited edition releases, we understand the unique value and significance of these items in the world of sports memorabilia. We've had many of our own sports cards evaluated by professional grading companies based on factors like condition, centering, edges, corners, and surface quality. We know that cards are assigned a numerical grade, typically from 1 to 10, with higher grades indicating superior quality that instill market confidence and premium pricing.
Our tailored insurance solutions protect against loss, theft, damage, or market fluctuations, allowing collectors to focus on their passion for rare sports cards with peace of mind. Don’t let accidents, natural disasters, or theft jeopardize your precious card collection. We help you preserve the value and sentiment of your investments with our robust protection.
Because Insuring a High-Value Collection Matters
High-value collectors—fine art, luxury vehicles, rare memorabilia, collectibles and jewellery—expect tailored insurance solutions that match the sophistication of their assets. But for many collectors, accessing specialized insurance programs for collectibles can be a challenge, creating gaps in coverage and missed opportunities for peace of mind.
Key Features of Collectibles Insurance
Collectibles insurance is designed to provide comprehensive protection for what matters most to collectors. Unlike standard homeowner’s policies, it offers specialized features that reflect the unique risks of owning, displaying, and transporting valuable items. From all-risk and worldwide coverage to loss of value protection and automatic blanket coverage for new acquisitions, these policies evolve with your collection. With flexible premiums and dedicated transit protection, collectors can focus on their passion, knowing every piece is protected wherever it goes.
Collectors Should Never Rely On Their Homeowners Policy Alone
Standard coverage often excludes or limits high-value items like fine art, jewellery, sports cards, or memorabilia, leaving significant gaps in protection. For insurance brokers, this means asking the right questions is essential and understanding what a client collects, how it’s stored, and its true value can prevent costly losses and potential E&O exposure. Specialty coverage through Private Collection Insurance ensures that both the client and the broker are properly protected.
Is Your Sports Card Collection Covered?
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Fill out our application now to protect your valuable graded cards, rookies, limited releases and childhood memories. Our insurance for sports card collections coverage is crafted for your high-value collection.
Insurance Protection for Growing Collections
Our blanket coverage makes insuring a growing collection effortless. New additions are automatically protected, so there’s no need to update the policy every time something new is acquired. Our team simplifies valuation by covering a collection as a whole, up to a specified limit, without requiring individual appraisals, unless a single item is worth more than $20,000. Most importantly, it gives a collector peace of mind to focus on finding the next treasure, knowing the entire collection is protected by a policy that evolves as the collection grows.
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Private Collection Insurance makes insurance protection simple and seamless. To begin the process, visit our application page to complete the relevant application form or briefly scroll down click to use our Contact Us form to get in touch with our team.
Sports Card Insurance FAQ
Sports card insurance is a specialized policy designed to protect your sports card collection against risks such as theft, fire, water damage, and accidental loss. Unlike standard homeowner’s insurance, which often has limited coverage for collectibles, sports card insurance ensures your collection’s true value is covered. If you’re a passionate collector or retailer, this protection is essential for safeguarding your investment.
While homeowner’s insurance provides general coverage for personal belongings, it often excludes or limits coverage for high-value items like collectible cards. Sports card insurance offers tailored protection for the unique risks and values associated with collectibles, including specialized coverage options like market value insurance or agreed-upon value policies.
You can determine your collection’s value through professional appraisals, recent sales data, or using grading services like PSA or Beckett to establish the market value of your cards. Many insurance providers, including us, can help guide you through this process to ensure accurate coverage.
Yes, you can insure both graded and ungraded cards. However, graded cards typically have a higher insured value since their condition and authenticity are certified by a professional service. For ungraded cards, documentation of value (like receipts, photos, or appraisals) can help establish coverage.
PCI's policies provide comprehensive “all-risk” protection, including:
- Theft: Coverage for stolen cards, whether at home, a show, or in transit.
- Fire and Natural Disasters: Protection against events like fires, floods, and hurricanes.
- Accidental Damage: Coverage for mishaps such as spills, drops, or bends.
- Transit Damage: Protection for cards shipped to or from events or buyers.
Yes, most policies include coverage for cards taken to shows, trade events, or while traveling. This is often referred to as worldwide coverage. Ensure you inform your provider about frequent travel with your collection to confirm the specifics.
Yes, most policies have a deductible, but the amount can vary based on your chosen coverage plan. Some collectors prefer a higher deductible to lower premiums, while others opt for minimal deductibles to maximize claims payouts.
Absolutely. We offer inventory insurance for card shops and retailers. This covers your stock against risks like theft, fire, and water damage, as well as liability coverage for your business operations.
The claims process typically involves the following steps:
- Report the incident to your insurance provider.
- Provide proof of ownership and value (photos, receipts, or appraisals).
- Submit any police reports if applicable (e.g., for theft).
- Work with a claims adjuster who specializes in collectibles to assess the loss.
- Receive reimbursement based on your policy’s terms.
There are no strict limits, but the coverage amount depends on the appraised or documented value of your collection. High-value collections may require additional documentation or specific policies, such as scheduled personal property insurance for collectibles.
The cost of sports card insurance varies based on factors like the total value of your collection, the coverage options you select, and the deductible you choose. On average, premiums are a small percentage of your collection's insured value, making it an affordable way to protect your investment.
Yes, it’s important to update your policy when you add new cards to your collection to ensure they are covered. Many providers offer flexible policies that allow you to make adjustments easily as your collection grows.
Yes, many policies include coverage for collections stored in secure off-site locations like bank vaults or safety deposit boxes. Be sure to discuss the storage location with your provider to confirm coverage details.
Documentation requirements typically include:
- A detailed inventory of your collection.
- Photos or scans of individual cards.
- Receipts for purchases or appraisals for high-value items.
Providing accurate records ensures a smooth claims process if needed.