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Your collection represents years of passion, knowledge, and investment. Standard homeowners insurance was not designed to protect it. Most home policies carry strict sublimits on high-value personal property — often $1,500 to $2,500 total for jewelry, coins, or firearms — and pay claims based on depreciated value, not what your items are actually worth in the collector market. Specialty collectibles insurance closes that gap with agreed value coverage on your terms.
Coin and currency collections, fine art and sculpture, sports memorabilia including signed items, jerseys, and trading cards, jewelry and luxury watches, antique and modern firearms, comic books and vintage publications, wine and spirits collections, and other high-value personal property. Most items valued above a few thousand dollars benefit from a scheduled policy with a documented appraisal.
Unlike standard insurance that pays actual cash value with depreciation applied, agreed value collectibles insurance pays the full scheduled amount at claim time — no depreciation, no negotiation, no surprises. The value is established upfront using an appraisal, purchase records, or market documentation. If your insured item is stolen, damaged, or destroyed, you receive exactly what the policy promises.
Brannon works with specialty carriers who understand the collector market and provide the coverage and documentation that serious collectors actually need. Fill out the form above to discuss what you collect and how to protect it properly.
Standard homeowners policies impose low sublimits on high-value items, commonly ,000 to ,500 for coins, sports cards, or jewelry. A scheduled collectibles policy covers the full appraised value of each item with broader protections.
Sports cards and memorabilia, coins and currency, stamps, comic books, fine art, wine collections, antiques, firearms, and more. If it has documented value, it can generally be insured on a dedicated collectibles policy.
Professional appraisals, recent auction results, grading certificates such as PSA or BGS, and dealer receipts all establish value. Brannon will guide you on what documentation the carriers he works with require.
Coverage typically includes theft, accidental breakage, fire, water damage, and loss during transport. Many policies cover your collection at shows and in transit, not just at home. These are risks that homeowners policies often exclude entirely.
No. Insurance carriers charge the same price whether you buy directly from them or through an independent agent like Brannon — the carrier pays the agent's commission out of their own overhead, not by charging you extra. The real advantage of using an agent is that Brannon compares 20+ carriers on your behalf at no added cost, instead of you calling one company and hoping their rate is competitive.