You've spent years building your collection. Coins, watches, cards, art, memorabilia items worth real money.
But here's the problem: Your homeowners insurance probably covers less than $2,500 total.
When your collection gets stolen or damaged, you'll find out the hard way that "valuable items" have sublimits.
The Insurance Trap Collectors Don't Know About
Most homeowners policies have sublimits (coverage caps) for valuable items:
- Jewelry & Watches: $1,500 - $2,500 total
- Coins & Collectibles: $200 - $500 total
- Trading Cards: $500 - $1,000 total
- Art & Antiques: $2,500 - $5,000 total
- Firearms: $2,500 total
Translation: You could have $50,000 in coins, but your insurance only pays $500.
To get full coverage, you need:
1. A detailed inventory with photos and values
2. Professional appraisals for high-value items
3. A scheduled personal property endorsement (riders)
Without documentation, you get the sublimit. With documentation, you get full replacement.
What Collectors Actually Need (And Don't Have)
If your collection was stolen tonight, could you:
✅ List every item from memory?
✅ Prove you owned each piece?
✅ Show what you paid or what it's worth?
✅ Provide photos showing condition?
✅ Supply serial numbers or authentication details?
If you said no to any of these, you're underinsured even if you think you have "full coverage."
What You Get With Big TOA (Built for Collectors)
Big TOA is a cloud inventory system designed for people with valuable collections who need professional documentation for insurance.
Here's How It Works:
You Build Your Inventory:
- Photograph each item (front, back, serial numbers, condition details)
- Upload receipts, appraisals, certificates of authenticity
- Record purchase price, current value, and grading details
- Organize by collection (watches, coins, cards, art, etc.)
- Store everything in the cloud with bank-level encryption
When You Need Insurance Coverage:
- Generate a professional inventory report with photos and values
- Submit to your insurance agent to schedule high-value items
- Get proper coverage (replacement cost, not sublimits)
- Keep documentation updated as values change
If Disaster Strikes:
- File a complete claim with proof of ownership, value, and condition
- Get full reimbursement instead of sublimit payouts
- Process claims in days, not months
Real Example: $200 vs. $47,000
Collector had $47,000 in graded trading cards stolen from his home.
Without Big TOA:
- Homeowners insurance sublimit: $500
- He remembered about 60% of his collection from memory
- No photos, no receipts, no proof of grading
- Insurance payout: $500 (sublimit)
With Big TOA (Same Scenario):
- Complete inventory with photos of every card
- Scans of PSA/BGS grading certificates
- Purchase receipts and current market values
- Insurance payout: $47,000 (full documented value)
The difference: Documentation.
Stop Gambling With Your Collection
✅ Professional inventory - Document every piece with photos and details
✅ Organize by collection - Coins, watches, cards, art all separate and searchable
✅ Track values - Update as market prices change
✅ Upload appraisals - Store certificates, grading reports, provenance
✅ Generate insurance reports - Submit to insurers for scheduled coverage
✅ Cloud storage - Survives fires, floods, theft
✅ Bank-level encryption - Your collection data stays private
Cost: Free for up to 20 items. Premium plans start at $12.99/month.
(That's less than one common coin, one graded card, or one affordable watch.)
What Happens If You Don't Document Your Collection?
Next time your insurance agent asks "What valuable items do you have?" you'll say:
"Uh... some coins... maybe $5,000 worth? I'm not sure."
And they'll give you the $500 sublimit.
Or you can spend this weekend documenting your collection and get real coverage.
How to Get Proper Insurance Coverage (The Right Way)
Step 1: Document your collection in Big TOA (photos, values, appraisals)
Step 2: Generate a professional inventory report
Step 3: Send it to your insurance agent and request a Scheduled Personal Property Endorsement
Step 4: Pay a small additional premium (usually 1-2% of collection value per year)
Step 5: Get full replacement coverage with no sublimits
Example: $30,000 collection = ~$300-600/year for full coverage instead of $500 total sublimit.
Your Collection Deserves Real Protection
You've invested time, money, and passion into your collection. Don't leave it protected by a $500 insurance sublimit.
Document it. Insure it properly. Protect what you've built.
Start Your Free Collection Inventory Today
Document your 20 most valuable pieces for free. No credit card required.
Add photos, values, and appraisals. Then take your inventory to your insurance agent and get real coverage.
Protect Your Collection - Start Free →
(Free account includes 20 items. Upgrade for unlimited documentation.)
Stop gambling with sublimits. Get real coverage.