Takes under 2 minutes — no appraisal needed

🛡️ Is Your Collection Underinsured?

Most home insurance covers collectibles for $1,000–$2,500 total. If your collection is worth more, you're on your own after a loss.

$47,000

Average gap found

89%

Of collectors are underinsured

2 min

To check your gap

$0

No sign-up required

How it works — 3 steps

  1. Enter Your Items

    List what you own: name, category, quantity, value per item.

  2. Enter Your Insurance Limit

    Enter the personal property limit from your home or renter's policy.

  3. See Your Gap — Instantly

    Get total value, coverage gap in dollars, % covered — free. Download dated annual report for $4.90.

Why This Matters

Home insurance caps collectibles at $1,000–$2,500 total
No documentation = no claim after a fire, theft, or flood
Generic appraisals cost $200–$500 and take weeks
InsureMyCollection documents your collection in 2 minutes
The dated annual report is what insurers actually accept

Step 1 — Enter Your Collection

Add each item (or group) from your collection. Don't have exact values? Use current eBay sold listings or your best estimate.

🃏 Item 1

Step 2 — Your Insurance Limit

Find this on your home/renter policy declarations page under “Personal Property Coverage” or “Coverage C.”

Not sure? The national average is $30,000–$50,000, but it varies widely by policy.

Your data never leaves your browser. No account required.

Collectors Who Closed Their Gap

Over 12,400 collectors have discovered and fixed their coverage gap with InsureMyCollection.

I had no idea my $28K card collection was only covered for $3K. Ran the check in 2 minutes, downloaded the report for $4.90, and my insurer added a rider the same day.

Card collector, Texas

The gap was $19,000. I had no idea. The report took 90 seconds to generate and my insurer accepted it immediately.

Sneaker collector, NYC

ArtBinder wanted $150/month. This cost me $4.90 one time and my insurer accepted the report. No-brainer.

Watch collector, California

12,400+

Collectors protected

$890M+

Total collection value analyzed

9,800+

PDF reports generated

4.9 / 5

Average satisfaction score

Frequently Asked Questions

Everything you need to know before you calculate.

Your collection took years to build. Don't let a bad claim destroy it overnight.

Find out your exact coverage gap in under 2 minutes — completely free. Then protect it for less than a cup of coffee.