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<p>[QUOTE=&quot;buyingsilvers, post: 1506456, member: 18821&quot;]I&#039;m curious if you have a policy because this is something I actually looked into before and discarded as an option.</p><p><br /></p><p>&nbsp; As I understand it, you will need to pay to have an appraisal done on the value of the items you&#039;re keeping in your home, which is what the reimbursement will be based on.&nbsp; If you add to the stack, you&#039;ll need to get another appraisal if you want the additional PMs covered.&nbsp; </p><p><br /></p><p>Also, the cost of the insurance rider isn&#039;t really that cheap either.&nbsp; If you&#039;re attempting to insure 500k in pms, it will cost you a lot of money yearly.&nbsp; Since this will be your main investment vehicle, I&#039;d assume you have at least a half mil before you retire.&nbsp; Nowadays, ideally you would want maybe 2 mil worth since PMs pay no dividends, and you&#039;d basically be selling your stash gradually to eat in your retirement.&nbsp; If you estimate an insurance cost of .5% (and I&#039;m sure it&#039;s more than that), you&#039;ll be burning $2,500/year to insure 500k up to $10,000/year to insure your 2 mil.&nbsp; </p><p><br /></p><p>You&#039;d be relying on evil financial instruments and a promise that you&#039;ll be compensated, which kinda goes against the purpose of going all &quot;physical&quot; in the first place?[/QUOTE]</p><p><br /></p>

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