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<p>[QUOTE=&quot;Burton Strauss III, post: 4905311, member: 59677&quot;]Please remember that for insurance purposes you want to make sure the policy covers full replacement cost.</p><p><br /></p><p>If you use historical cost, that&#039;s all you get paid out. And that won&#039;t replace the item.</p><p><br /></p><p>If you use retail cost, that&#039;s what you get paid out and if it&#039;s not the bog-standard 1916D Mercury Dime, that won&#039;t replace the PCGS MS66+* CACd coin you actually have.</p><p><br /></p><p>Oh, and while they&#039;ll happily write you coverage based on your estimates, when it comes time to make a claim, they&#039;ll fight you on it. With FRC you can tell them to replace it. For any serious claim it will involve lawyers and you are better off having had a professional numismatic appraiser involved from the start (but that costs you).[/QUOTE]</p><p><br /></p>

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