The collectibles sub-limit

Most homeowners and renters policies bury trading cards under a "collectibles" or "valuable items" sub-limit — frequently capped around $1,000–$2,500 for the entire category, regardless of what your collection is actually worth. Some loss types (mysterious disappearance, certain damage) are excluded entirely.

What actually covers a collection

To insure cards at full value you need either a scheduled personal property rider added to your policy, or a dedicated collectibles policy from a specialty carrier. Both raise the limit and broaden covered perils — and both require an itemized, valued schedule of what you own.

Get the documentation right

A carrier-ready schedule lists each card with its grade, cert number, and a current comp-based value, plus a collection total and valuation date. Slabline generates this as a Schedule & Risk Report PDF you take to your own broker. It is not insurance — it is the paperwork that makes real coverage possible.