Barth Howard Homeowners Insurance and Auto Insurance in San Ramon, California 

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 Barth Howard Insurance Agency

 

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The Collectibles Policy


 

Just $75 insures your collection up to $10,000

• Compare this affordable annual premium with the value of your cherished collectibles

• Then consider the broad protection you get with this all-risk, agreed-value coverage

• There is simply no better value anywhere

Homeowners Insurance often has significant coverage limitations that apply to various collections, especially with regard to full value replacement.  The Collectibles policy is affordable and covers most collections in the household.  Claims are paid on an agreed amount basis, and the deductible is $100 per occurrence.  We do not typically require professional appraisals or inventories.

 

    click here for APPLICATION  - FAX BACK TO (866)324-4996

 

     submission requirements

 

Coverage benefits of a specialty collectibles policy include:

  • Recognition of collection’s full-insured value

  • All-Risk Coverage includes accidental breakage, loss or damage due to fire,
       flood, or other natural disasters, mysterious disappearance, etc 

  • Blanket protection for all the qualifying collections in the household.
       Blanket coverage will protect your entire collection up to a max value of $2,000
       per item, up to a total of $10,000. If $10,000 doesn’t fully cover your collection,
       you may add additional blanket coverage.

  • Individual pieces valued at $2,000 or higher are scheduled on the policy
       and receive coverage for mysterious disappearance at no additional charge

  • Additions to the collection are automatically covered for 30 days
       (up to $2,000 per item)

  • An inflation-guard feature automatically increases the value of scheduled items
       2% each quarter, up to a maximum of 8% per year, at no extra cost.

Qualifying Collections

 

All qualifying collections in the household may be placed on the same policy.

Here are some common examples of acceptable collections:

  • Action Figures (G.I. Joe, Star Wars)

  • Advertising Memorabilia (Breweriana, Coca-Cola)

  • Animation Art (Disney, Warner Brothers)

  • Automobilia (Gas Pumps, Vintage Signs)

  • Collector Plates (Bradford Exchange, Royal Copenhagen)

  • Die Cast (ERTL, Matchbox)

  • Dolls (Annalee, Barbie, Madame Alexander)

  • Figurines (M.I. Hummel, Swarovski, Precious Moments, Lladro)

  • Jukeboxes (Wurlitzer)

  • Militaria (Helmets, uniforms, equipment)

  • Model Trains & Sets (Lionel, Mike’s Train House)

  • Ornaments (Hallmark, Christopher Radko)

  • Pottery (McCoy, Lenox)

  • Sports Memorabilia (autographed pieces)

  • Teddy Bears (Boyds Bears, Steiff)

  • Villages (Department 56)

Please note: Coverage is not currently available for "paper" collectibles such as stamps, baseball or other trading cards, paper dolls and documents, statuary, wine collections, nor for record albums/video cassettes/CDs, china/flatware/stemware, watches/jewelry, coins, modern firearms, furniture or fine art.

 

Qualifications

  • Collection must be stored/displayed at collector's residence.

  • Residence must have acceptable fire protection. If residence is located more
       than 1000 feet from a fire hydrant, please advise fire protection class as well
       as the proximity of nearest year-round water source.

  • For collections worth $50,000+, proof of central station security is required.

  • Residences with more than 1 loss (non weather-related) within the past 3 years
       are ineligible for coverage.

  • Collections used for commercial and/or remunerative purposes are ineligible.

  • Maximum value per collection $100,000.

  • The policy term is annual.  Minimum premium is $30.

  • Insuring carrier reserves the right to request a complete inventory and/or
       appraisal of the collection if necessary.

Submission Requirements

  • Completed application - click here for form - FAX BACK TO (866)324-4996

  • Check or money order for the total premium.  Minimum premium is $30. 
       Payment can be made with personal check, money order, Visa or Mastercard.

  • A color photo & description of any item(s) in the collection exceeding $2,000 in value.

IMPORTANT: Coverage is bound only after the insuring carrier has approved the risk.

 

California Insurance Agent

 

 

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Selling fire, homeautos, umbrella, Boats, life, business, commercial auto, earthquake, & flood.   California Insurance Agency directly serving the

entire State Of California and the communities of Alamo, Blackhawk, Danville, Dublin, Pleasanton, San Ramon, and greater SanFrancisco Eastbay

(All of California and zip codes 94506, 94507, 94526, 94566, 94568, 94582, 94583, 95688)