Are you relying on
homeowners insurance
to protect your collection?
As a collector, you've probably spent many years and many dollars on your collection. Yet - in the blink of an eye -
you could lose it all to fire, flood, earthquake, wind or smoke damage, or some other disaster. You could be sadly
disappointed to learn just how little your homeowners insurance pays for this kind of loss.
American Collectors Insurance, Inc. is a nationally recognized, specialty insurer of limited edition collectibles.
American Collectors will provide your collections with superior, all-risk coverage that specifically
includes fire, flood, water damage, earthquake, theft - even accidental breakage! The policy will cover your
collection for an Agreed Amount (based on today's collector market values) at an extremely affordable rate.
Please take a moment to browse this site for more information and link to the application. We think you'll agree -
this coverage is one collector opportunity you can't afford to miss!
How an American Collectors' policy
compares to standard homeowners insurance.
Homeowners insurance is obviously very important coverage for your home and household goods. But your collectibles
may require protection above and beyond what your homeowners policy can provide. Some homeowners policies
pay only $100 for all unscheduled "antiques, fine arts, paintings and similar article of rarity or antiquity
..." Others are nonspecific about collectibles, leaving it up to adjusters to settle after a loss. Consider
these points:
- American Collectors provides specific, all-risk coverage for your collection, including accidental
breakage, theft, fire, windstorm, flood, water damage and earthquake. A typical homeowners policy covers only
"named perils" (those listed in the policy) and specifically excludes coverage for floods, water
damage from backed-up drains or overflow, and earthquake.
- American Collectors provides Agreed Value coverage, which guarantees full replacement value
in the event of total loss. A homeowners policy, on the other hand, provides Actual Cash Value (ACV) coverage or
"replacement cost less depreciation."
- American Collectors automatically covers additions to the collection for 30 days.
- More than one collection may be insured by the same policy (see details on link page).
- Very affordable rates. Just $75 purchases a full year of coverage (up to $10,000). For collections
exceeding $10,000 in value, additional coverage is available at the same low rate ($7.50 per $1,000 of value).
- A special anti-inflation feature automatically increases the value of any high-value item (over $2,000)
in the collection by 2% per quarter, at no additional cost.
- Low deductible. The deductible on any claim is just $100. (Your homeowners policy may have a higher
deductible - further reducing the amount you might expect to receive for losses.)
Insure all the collections in your household under one policy.
|
Here is a partial list of the items we insure: |
- Figurines
- Dolls
- Teddy Bears
- Toys
- Model Cars
- Miniatures
|
- Collector Plates
- Ornaments
- Animation Art
- Disneyana
- Model Railroads
- Carousel Animals
|
Please note: Coverage is
NOT currently available for "paper" collectibles such as stamps,
cards and documents, nor for china/flatware, watches/jewelry, coins, firearms, furniture or fine art.
For information on insuring other items, please call: 1 (800) 360-2277
- Apply now and take advantage of our Satisfaction Guarantee.
- When you receive your policy, take 30 days to look it over and compare. If you decide you don't want the
coverage, just return the policy within 30 days for a full refund.
- REMEMBER, NO COVERAGE IS IN EFFECT UNTIL YOUR APPLICATION IS APPROVED
BY AMERICAN COLLECTORS INSURANCE. Also please note that our Collectibles program is NOTcurrently
available in the states of Alaska, Hawaii, South Carolina or Wyoming.
You may fill out the form after the link and then print the form, or you may print the
form and fill it out with a pen. If you fill out the form online, please make sure the printed version contains all
of your entries. If you would rather have us send you an application form, please call us Mon. - Fri. (8:30 am - 4:30
pm, EST) at 1-800-360-2277 - 24 hour Fax (609)779-7289.
American Collectors Insurance is underwritten by American Bankers Insurance Company of Florida.
The Company is rated "A+" by Standard & Poor's, based on claims-paying ability.
COLLECTIBLES INSURANCE
POLICY APPLICATION
Web Site developed & designed by Classic Car Source,
Inc.
Text copyright © 1997 All rights reserved
Revised: Friday, April 10, 1998
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