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<p>[QUOTE=&quot;Themadhouse6, post: 2424899, member: 76034&quot;]First of all, Insurance company&#039;s are NOT your friends &amp; are not in the business to take care of you and your stuff.Their in the making $$ business (bookie&#039;s!) Basically you are placing a bet that you pay monthly or yearly for something you hope you will never have to use,and frankly,so do they.The spread depends on the value you pick for your collection,the more you say the collection is worth the more your premium will be,they hope you go high,so they can charge you more.They don&#039;t tell you that that&#039;s not how the value will estimated when you file a claim.</p><p>When has anyone ever got what something was really worth from their insurance company. They don&#039;t give a crap about what you think something is worth after it&#039;s gone.[/QUOTE]</p><p><br /></p>

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