Collection Insurance Estimator
FreeKnow what your collection is worth to insure. Calculate replacement value, compare insurance providers, and protect your investment.
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Frequently Asked Questions
Why should I insure my card collection?
Card collections can represent significant financial value — even a modest collection of graded cards can be worth thousands. Homeowner or renter insurance often has low limits for collectibles (typically $1,000-$2,500). A dedicated collectibles policy or rider ensures you can replace your collection if it is lost, stolen, or damaged.
How is the replacement value calculated?
The replacement value is based on estimated fair market value of each card in raw or gem mint condition. The Standard tier uses FMV directly. The Recommended tier adds a 15% buffer for market fluctuation and replacement difficulty. The Premium tier adds 30% to account for shipping, grading, and time to rebuild.
What is the difference between actual cash value and replacement value?
Actual cash value (ACV) deducts depreciation — which makes no sense for collectibles that appreciate. Replacement value (RV) covers what it costs to buy an equivalent card today. Always insist on replacement value coverage for sports cards.
Do I need a separate policy for cards I take to shows?
Most homeowner/renter riders only cover cards at your residence. If you take cards to shows, ship them for grading, or sell at events, you need an inland marine or hobby-specific policy that covers transit and off-premises locations. CollectInsure and similar providers offer this.
How often should I update my insured value?
At least annually, or whenever you make a significant acquisition or sale. Card values can change dramatically — a breakout season can double a player's card values overnight. Use this estimator regularly to keep your coverage up to date.