2026 Calculator
Collectible Insurance Calculator
Estimate your collection coverage costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does collectible insurance cost in 2026?
Collectible insurance typically costs 0.5-2% of the collection's appraised value per year. A $20,000 sports card collection costs $100-$400/year to insure. High-value graded cards may require individual scheduling.
What does collectible insurance cover?
Collectible insurance covers theft, accidental damage, fire, water damage, and shipping damage. Unlike homeowners policies with low collectibles limits ($1,000-$2,500), specialized policies provide full agreed-value coverage.
Do I need PSA/BGS grading for insurance?
While not required, professionally graded items (PSA, BGS, CGC for comics) are easier to insure and claim. Grading provides authentication and standardized condition assessment. Ungraded items require appraisals.