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<p>[QUOTE=&quot;snaz, post: 833115, member: 11315&quot;]Uh oh... the insurance broker in me is coming out...</p><p>&nbsp;</p><p>2 warnings on that.</p><p>&nbsp;</p><p>1. It is in your policy that you will take all necesary steps to ensure that if a break in occurs that these wouldn&#039;t be as easy to grab off your wall as the clock next to them. You must take responsibility to prevent the risk.</p><p>If they found out you just figured that if it was stolen off the wall that you&#039;d take the insurance money to buy a enw set, they would not likely give you a pay out.</p><p>Not to mention... would filing a claim on this collection be worth losing a claims-free discount? Or worth the $1000 or 500$ deductible?</p><p>&nbsp;</p><p>2. Not sure what it is like in the States, and more specifically &quot;your state&quot; but here in Canada, you must get a personal articles floater for your collection or it will be only be covered under your basic homeowners policy and here in Canada, that limit is 500$ for numistmatic content, and 1000$ for stamp collections.</p><p>&nbsp;</p><p>just saying...</p><p>Take all that with a grain of salt, and accept that knowledge from me, a fellow coin collector, not me, the insurance broker.[/QUOTE]</p><p><br /></p>

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