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Insurance · 5 min read · June 18, 2026

How to Insure Your Graded Card Collection (Broker-Ready Schedule)

If your graded cards are worth more than a few thousand dollars, your homeowners or renters policy almost certainly will not make you whole after a loss. Collectibles need a scheduled rider or a specialty policy — and to get one, you need documentation. Here is how to do it right.

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Why homeowners insurance is not enough

Standard policies cap collectibles at a low sub-limit (often $1,000–$2,500 total) and exclude common loss types. A scheduled personal property rider or a dedicated collectibles policy raises the limit and covers more — but the carrier needs an itemized, valued list.

What a broker-ready schedule contains

A usable insurance schedule lists, per card: the exact card (year, set, player, number), grader and grade, certification number, and a current market value backed by recent comparable sales — plus a collection total and the date valued.

Slabline generates this automatically as a Schedule & Risk Report PDF you can hand straight to your broker. Every value is built from real comps (eBay, Heritage, Goldin, PWCC), so it stands up to underwriting.

Keep it current

Card values move. An appraisal from two years ago can leave you badly under-insured after a run-up — or over-paying premium after a dip. Slabline re-values your collection continuously and flags value drift, so your coverage can keep pace.

Slabline is not an insurer or broker — it produces the documentation you take to your own licensed insurer.

Frequently asked questions

How do I insure my graded card collection?

Value the collection from recent comparable sales, produce an itemized schedule with each card’s grade and certification number, then take that schedule to your existing agent for a scheduled personal property rider or to a specialty collectibles carrier.

What is a broker-ready insurance schedule?

A document listing every card with cert number, grade, and current comp-based value, plus a collection total and valuation date — the paperwork a carrier needs before it will write coverage at full value.

Do I need an appraisal to insure trading cards?

Many carriers accept a current, comp-backed itemized schedule instead of a formal appraisal, particularly for graded cards where the certification number establishes identity and condition. Independent appraisals typically cost $500–$2,000 and go stale as the market moves.

Browse graded card values

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