Your collection
Not sure what it's worth? Look up your cards free — Slabline values graded cards from real sold comps, no account needed.
Your gap
- Collection value
- $25,000
- − Covered
- −$0
- Uncovered if the worst happens
- $25,000
- Share of collection covered
- 0%
Dangerously underinsured
For scale: dedicated collectibles coverage is commonly quoted around 0.5%–1% of insured value per year — closing this gap would typically run about $125–$250/yr. A ballpark from published rates, not a quote — your insurer sets the real number.
Take this to your agent
Your numbers + the 4 questions that catch underinsurance — in your inbox.
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Why your homeowners policy isn't the answer
Standard homeowners and renters policies treat collectibles as ordinary personal property — and then cap them. Many policies carry special limits for collections that run in the hundreds to low thousands of dollars, especially for theft, regardless of what the collection is actually worth. A six-figure collection and a shoebox of commons can be capped at the same number.
Real protection comes from coverage that names the cards: a scheduled personal property rider on your existing policy, or a dedicated collectibles policy. Both are cheap relative to what they protect — and both require the one thing most collectors don't have when they call: a documented, valued schedule of what they own.
Policies vary — check yours and talk to your agent or a collectibles-insurance specialist. This page is education, not insurance advice.
The schedule your insurer will ask for — built automatically
Add your slabs and Slabline values them from real comps, watches for drift, and generates a broker-ready insurance schedule — dated, itemized, and updated as the market moves. Free to start, no account needed.
Insuring a card collection, plainly
- Does homeowners insurance cover trading cards?
- Barely. Standard homeowners and renters policies treat collectibles as ordinary personal property and then cap them — many policies carry special limits for collections that run in the hundreds to low thousands of dollars, especially for theft, regardless of what the collection is actually worth. Real protection comes from coverage that names the cards: a scheduled personal property rider on your existing policy, or a dedicated collectibles policy. Check your own policy and talk to your agent — limits vary.
- How much does it cost to insure a card collection?
- Dedicated collectibles coverage is commonly quoted around 0.5%–1% of insured value per year — roughly $250 to $500 a year for a $50,000 collection. Scheduling cards on an existing homeowners policy is often comparable. The exact rate depends on the carrier, your location, storage, and security; the calculator on this page gives a ballpark for closing your specific gap.
- What is a coverage gap?
- The difference between what your collection is worth today and the coverage that actually names your cards on a policy. Collections appreciate for years while the policy stays at the number from when it was written — so the gap grows silently and only becomes visible on the worst possible day. If your cards are worth $94,750 and your scheduled coverage is $40,000, your coverage gap is $54,750: that's the amount you'd eat in a total loss.
- What documentation does an insurer need for a card collection?
- An itemized schedule: each card identified (for graded cards, the grader, certification number, and grade), with a current market value and a date. Insurers and brokers generally cannot write meaningful coverage from phone photos and a guess. Slabline generates a broker-ready schedule automatically from your slabs — every card valued from real comparable sales, dated, and updated as the market moves.
- How do I find out what my card collection is worth?
- For graded cards, look up recent sold prices for the same card at the same grade — asking prices and dealer offers are not market value. Slabline values each slab from real comparable sales when you enter its certification number, and totals the collection live. It's free for up to 25 cards, with no account needed to try it.
