Direct answer
Most standard homeowners policies have very low sub-limits for numismatic items, typically capping coverage at $1,500 or less. You would likely need a scheduled personal property endorsement or a separate inland marine policy to fully cover the appraised value of your collection.
Standard homeowners insurance policy form definitions and property sub-limit schedules. For additional information about typical policy limits and special coverage for collectibles, see the Insurance Information Institute‘s guide to home inventory and high-value items.
What this means for you
Most standard homeowners policies have very low sub-limits for numismatic items, typically capping coverage at $1,500 or less. You would likely need a scheduled personal property endorsement or a separate inland marine policy to fully cover the appraised value of your collection.
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This page is informational and not a coverage guarantee or quote.
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