The two ways you end up underinsured
First: you never scheduled the collection at all, so it falls under your homeowners policy’s low collectibles sub-limit (often $1,000–$2,500 total). Second — and sneakier: you scheduled it years ago at a value that is now stale. A collection appraised before a market run-up can be underinsured by half or more without you touching a card.
How to check in five minutes
Pull your current declared coverage amount, then get a fresh, comp-based total of what the collection is worth today. If the gap is more than a few percent, you are exposed — a loss would be capped at the lower, outdated number.
Slabline does this automatically: it re-values every slab from real comparable sales and flags the drift between your covered value and current value, so the gap is never a surprise.
Closing the gap
Take a current, itemized valuation to your insurer and update the scheduled amount. The right number is today’s market value, documented per card with cert numbers and comps — exactly what a broker-ready Schedule & Risk Report contains.
Slabline is not an insurer or broker; it produces the documentation you hand to your own licensed carrier so coverage keeps pace with the market.
