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<p>[QUOTE=&quot;Razz, post: 8499660, member: 100526&quot;]Depends on your insurance type as well. Replacement cost is different than actual cost. You may have paid $50 for that Morgan 20 years ago, but if it is lost in a fire as an example, then if you have replacement cost insurance you get the cost to buy another, including the added cost to purchase one now! Which may be a lot more than shopping around for one at the best price. It is like a mini piece of art for higher end coins. And you don&#039;t pay taxes, the insurance is just making you whole.[/QUOTE]</p><p><br /></p>

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