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<p>[QUOTE=&quot;geekpryde, post: 1819435, member: 36248&quot;]The policy is very straightforward.&nbsp; &nbsp;&nbsp; They just determine if you are more a collector or a dealer by answering a simple question,&nbsp; I&#039;m paraphrasing here:&nbsp; &nbsp; &nbsp; If so, they direct you towards a different policy.</p><p><br /></p><p>You need to keep an accurate inventory of your collection.</p><p><br /></p><p>They ask you very basic and minimal questions about your residence.</p><p><br /></p><p>The only other thing is, they DONT want you collection to be heavy in Bullion.&nbsp; I think you need to have less than 10% in bullion.&nbsp;&nbsp; (They really want coin collectors and not metal speculators I think).</p><p><br /></p><p>I use the &quot;Bronze&quot; level, which covers me at home.&nbsp;&nbsp; There are 5 basic levels: Vault, Bronze, Silver, Gold, Platinum.&nbsp; &nbsp;&nbsp; At Gold and above, you get covered for loss during shipping items or driving them around in your car.</p><p><br /></p><p>I would send them a short email and tell them about how much your collection would cost to replace, and maybe include a simple inventory report.&nbsp; Ask them for a quote, let them know you are currently applying for ANA membership.&nbsp; I think they will answer all your questions even if you are not a member yet, but personally I joined ANA first and then immediately got Hugh Wood, so I am not 100% sure on that point.&nbsp;&nbsp; I include my ANA member number in all my correspondence to Hugh Wood.</p><p><br /></p><p><a href="mailto:valuables@hughwood.com"><u>valuables@hughwood.com</u></a></p><p><br /></p><p><a href="http://www.hughwood.com/sub_menu.php?submenuId=180" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://www.hughwood.com/sub_menu.php?submenuId=180" rel="nofollow">http://www.hughwood.com/sub_menu.php?submenuId=180</a></p><p><br /></p><p>This is not your normal insurance policy rider with a ton of legal mumbo-jumbo.&nbsp;&nbsp; It is meant to be easy and straightforward, and very affordable.&nbsp; &nbsp; &nbsp; For ordinary to advanced collectors it truly is a no-brainer.&nbsp;&nbsp; I can&#039;t speak to how good they are if you are a dealer.&nbsp; &nbsp; </p><p><br /></p><p>For the other poster who thinks their homeowners insurance is going to cover collectibles beyond a limited amount like $1,000 you are wrong, or if you have an inland-marine policy (rider) you are overpaying by a lot for your collectibles and making this a lot harder than it needs to be.&nbsp; I know from personal experience.</p><p><br /></p><p>Hope this helps,</p><p><br /></p><p>Matt[/QUOTE]</p><p><br /></p>

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