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.