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<p>[QUOTE=&quot;baseball21, post: 7980192, member: 76863&quot;]Except they are.&nbsp; Just like USPS is allowed to and does as well.&nbsp; I&#039;m saying it because I know it to be true and have seen people have claims denied for insuring things that are not insurable.&nbsp; This isn&#039;t just me saying something to say something this is how insurance works.&nbsp; </p><p><br /></p><p>Just like they can deny a claim if you under insure it, adjust the claim amount down if you over insure it etc. Its better to over insure a little than to under insure and there are &quot;bullion coins&quot; you can legitimately get treated as numismatic like early ASEs that sell with significant premiums.&nbsp; </p><p><br /></p><p>I&#039;ve had to do mail claims before including getting the automatic reject and having to do the appeals. </p><p><br /></p><p>If you insure something they don&#039;t cover the only thing you&#039;ll be able to get payment for is the cost of the shipping.</p><p><br /></p><p>The real point is that if you&#039;re insuring coins in the mail you either want to use USPS or private insurance.&nbsp; The others don&#039;t cover coins of any type and cost more to ship anyways[/QUOTE]</p><p><br /></p>

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