How do I insure a comic book collection?

Why ordinary contents cover is not enough

Most home policies limit "collectibles" or "paper items" to a small sub-limit, exclude items away from home, and settle at what the insurer decides the item is worth. A single graded key can exceed the sub-limit on its own.

Your two options

A scheduled rider on your existing home policy lists specific items at agreed values. Simple for a handful of significant books; each one needs documentation and the values need updating as the market moves.

A specialist collectibles policy insures the whole collection at agreed or blanket values, typically covers books in transit and at conventions, and is priced on the total value. Better for larger collections and for anyone who buys and sells regularly.

What the insurer will ask for

1. An inventory: title, issue, grade, certification number, purchase price and date, current value.
2. Photographs of slabs with labels legible.
3. Appraisals for high-value books, from a dealer or appraiser who can cite realised sales — see our appraisal service.
4. Storage details: where and how the books are kept.

Keeping it current

Re-value the significant books yearly. Update the inventory when you buy or sell. Keep a copy of the inventory and photographs somewhere other than with the collection.

Transit and vault storage

When you ship a book, insure the shipment for its full value — carrier insurance has limits and exclusions for collectibles, so check them. For books you do not need at home, vault storage keeps them in controlled conditions under our insurance.