Think About The Unthinkable & Sleep Better Tonight

You are a razor collector, a knife collector or a car collector.  You have spent countless nights, weekends, holidays and even vacations adding to and caring for your collection.

Have you ever thought that in a matter of hours...or even minutes, it could be gone?

If you are like me, just about now you are feeling a chill going up and down your spine.  Speaking personally, I have seen what happens to celluloid when it catches fire - it's scary.  And when I think about how many razors I have with celluloid scales, it's scarier still.  Knife collectors will be able to relate to this as well.  But you don't have to collect cutlery to be concerned.  A fire, flood or theft will affect ANY collector who has poured their heart and their dollars into their collection.

This is why you should give some SERIOUS consideration to insuring whatever you collect. If you think that your homeowners insurance will cover your collection, you need to take a very close look at your policy and speak with your agent.  More than likely, coverage will be EXTREMELY limited - both in dollar amounts and in the hazards against which you are protected.  So if you are a serious collector, you should be considering specialized insurance that will financially protect you against all hazards and for the full value of your collection.

Nothing will compensate you for the heartbreak of having your collection destroyed by fire or stolen; but with the right insurance from the right company, you will at least have the money to start rebuilding what you have lost.  For most collectibles, American Collectors Insurance is an excellent choice.  Their premiums are reasonable and their underwriter (the company actually responsible for providing the insurance and paying the claims) is rated "A" (Excellent) by AM Best - the top independent insurance rating agency.  As a licensed insurance agent, these rating are essential to deciding where to place my client's insurance.  I do not place anyone with a company rated below "A-."

American Collectors doesn't insure EVERY type of collectible (they don't insurance coins and stamps, for example), but they would certainly be one of my first recommendations to any collector looking for peace of mind and financial protection.  You can reach them at their website or give them a call at 1-800-360-2277.

Make the call and sleep better tomorrow night.