Serious collectors need specialty coverage that protects the full collectible value of their items. International art and collectibles specialist AXA XL has partnered with MiniCo Insurance Agency to offer an insurance solution for most of types of collections from fine art to sports memorabilia.
AXA XL Collectibles Insurance offers more complete coverage at a competitive premium when compared to traditional homeowner policies and the application process is simple and fast. Click here to get a quote.
| AXA XL Collectibles Policy | Standard Homeowner Policy | |
| Requires appraisals | NO* | Yes |
| Requires a detailed inventory | NO (applies only to items worth less than $5,000) |
Yes |
| Pays claims | Full collectible value | Actual cash value (depreciated value) |
| Deductible | $0 per occurrence (higher limits available) |
$500 per occurrence or more |
| Coverage limits | Up to $1,000,000 (higher limits available) |
$500-$2,000 |
| Imposes sub-limits | NO | Yes |
| Insures against risk of accidental breakage | YES | No |
* Appraisal required for jewelry/watch items valued over $50,000.