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Insurance for pm.s


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Another alternative. I think it depends how much you have and where it's stored really. Once your collection goes above maybe 10-20k it may be cheaper to get a specialised policy. 

E.g., while mine is in the bank it's fully covered by 1 company. When I take coins out, my house insurance will cover me for personal possessions away from home and up to a lower limit if I had some say I was selling at home.

I have seen some advertise that They will also cover coins in transit if you purchase and they get lost, but I wasn't able to find someone that actually did this for me.

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Every insurance company I spoke to said, when pressed they only insure coins that have been valued recently in your house no matter if they are in safe or you have receipts and pictures.

They often make it seem like they will cover valuables at home if you itemise them when taking the insurance out or have evidence of ownership but if you press them and they go and check the above is true.  I suppose it's not so bad for people who have local coin shops but if you have to travel hundreds of miles to get coins valued it is a bit of a pita.  Unfortunately it's either that or pay through the nose to have them visit you and value them.


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