Slabline™All articles →Insurance · 4 min read · June 20, 2026
すべてのコレクターが損失の後ではなく前に問うべき質問です：自分の住宅保険は本当にカードを補償するのか？ ささやかなコレクションを超えるものについては、答えはほとんど「いいえ」です。その理由を紹介します。
Check your coverage gap — free 60-second calculatorEnter what your collection is worth and what actually names your cards on a policy. See the dollar amount you’d be eating if the worst happened — and what closing it typically costs.→ほとんどの住宅・賃貸保険は、トレーディングカードを「コレクタブル」または「貴重品」の補償上限に埋め込み、コレクションの実際の価値に関係なく、カテゴリ全体で$1,000〜$2,500程度に制限されることが多いです。一部の損失の種類（不可解な紛失、特定の損傷）は完全に除外されます。
カードを満額で保険にかけるには、ポリシーに追加する明細付き個人財産特約か、専門の保険会社による専用のコレクタブル保険のいずれかが必要です。どちらも上限を引き上げ、補償される危険を広げ、どちらも所有物の明細付き・評価額付きのリストを必要とします。
保険会社対応の明細書は、各カードをグレード・認証番号・現在の相場ベースの価値とともに記載し、さらにコレクション総額と評価日を含みます。Slablineはこれを明細書・リスクレポートのPDFとして生成し、あなたが自分のブローカーに持ち込みます。これは保険ではなく、本物の補償を可能にする書類です。
Only partially. Standard homeowners and renters policies fold trading cards into a “collectibles” or “valuable items” sub-limit that is commonly capped around $1,000–$2,500 for the entire category — regardless of what the collection is actually worth. A $30,000 graded collection can legally settle for the sub-limit.
Whatever the policy’s collectibles sub-limit is, not the collection’s market value. Ask your agent directly: “If my card collection were stolen or destroyed tomorrow, what would you actually pay out under my current policy?” The number is usually far lower than collectors expect.
Two routes: a scheduled personal property rider added to your existing homeowners 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.
Generally no. Flood damage is excluded from standard homeowners policies entirely and requires separate flood insurance — a critical gap for collectors in hurricane and storm-surge states.
An itemized schedule listing each card with its grade, certification number, and a current comparable-sales value, plus a collection total and valuation date. Slabline generates this as a broker-ready Schedule & Risk Report PDF.
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