Coin Collection Insurance Calculator
How much should you insure your coin collection for? Calculate recommended coverage, estimated annual premium, and whether your homeowners policy covers your coins.
Recommended Coverage
Why Standard Home Insurance Is Not Enough
Most homeowners policies limit collectibles coverage to $1,000–$2,500 total — not per item, but for the entire collection combined.
Scheduled personal property floater (rider to your home policy):
- Covers appraised value of specific items
- No deductible on most policies
- Typical annual rate: 1%–2% of insured value
Standalone numismatic insurance (e.g., American Numismatic Association plans):
- Broader coverage including shows, transit, and mysterious disappearance
- Typical rate: 0.5%–1.5% of insured value
Always get a professional appraisal before insuring. Update it every 3–5 years.