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<p>[QUOTE=&quot;Burton Strauss III, post: 3627650, member: 59677&quot;]What you paid is irrelevant... what it&#039;s worth TODAY is what matters, because</p><p>/1/ You pay insurance based on value (10x maybe 10x premium more or less)</p><p>/2/ You recover in the event of loss only what you cover it for</p><p><br /></p><p>So, cover a $1M coin as a $500K coin and you&#039;ll save money - until a loss, when they&#039;ll write you a check for $500K and say &quot;tough&quot;.</p><p><br /></p><p><br /></p><p>This is why on antiques roadshow the appraisers differentiate an insurance estimate from what it might sell for at auction or in a shop.</p><p><br /></p><p>If you have a 2016 MS65 Lincoln Cent, I can pretty easily replace it for the value listed in the price guide. If it&#039;s a 1913 Liberty Nickel, those don&#039;t sell every day.[/QUOTE]</p><p><br /></p>

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