Collectibles Insurance Questions

What types of collections does AXA XL cover?

Just about anything that can be collected can be covered under the AXA XL Collectibles Insurance program including fine art, sports memorabilia, wine, fur, silverware, rare books and manuscripts, rugs and tapestries, musical instruments, stamps, coins, firearms and many others.

Click here for a list of Collections Eligible for Coverage.

How do I get a quote?

Getting an online quote is easy. Just answer the questions on this website, and you will receive a personalized quote at the end of the process. We’ll ask you some questions about the property to be insured and some basic questions about your current insurance coverage.

If you need assistance, please call us at 888-873-6931.

Get a quote now. Click Here
Program available in the United States.

What information do I need to have on hand to request a quote?
  • Your contact information
  • Total value of all collections
  • Schedule of individual items valued over $25,000
  • Location(s) address
  • Prior insurance and loss history
  • Additional documentation would be required in the event of a loss
How long does it take to complete an application?
The application usually takes about 5 minutes. It’s faster if you have available the value of your collectible items.
Why do I need this specialty insurance and not just my homeowner’s or renter’s policy?

If you think your collectibles are covered by an existing policy, read it thoroughly and evaluate whether or not you’re comfortable with that level of coverage. Standard homeowner’s policies often provide limited fine art and collectibles protection and frequently exclude accidental breakage.

Click here for information on Collectibles Insurance vs. Homeowner Policies.

What features and benefits does your program offer?

AXA XL Collectibles Insurance offers:

  • Coverage for collections up to $1,000,000 (higher limits available)
  • $0 deductible (higher limits available)
  • No appraisal required at application (except for jewelry/watch items valued over $50,000)
  • Easy online portal to quote and bind policies
  • A.M. Best “A” rated carrier
  • Program available in the United States
How do I determine the value of my collection?

Value is the current collectible amount or purchase price of the collectible item based on original receipts, appraisals or recent auction sales of the item.

Do I need separate policies for multiple types of collections?

No. Multiple types of collections may be covered under a single policy.

Why do you need to know all the locations where my collection is kept?

Your premium may vary from location to location. Having a list of the collection items at each location will ensure that you are receiving the most competitive rates available.

What are the location and security requirements for coverage eligibility?

Collections that are stored or displayed in the collector’s home, apartment, condominium or self-storage facility are eligible for coverage.

What is unscheduled coverage?

Our policies are unscheduled blanket coverage. Call us for details at 888-873-6931.

Where should I keep my collection documentation?

We advise policyholders to keep multiple copies of their collection documentation such as a hard copy kept in a fireproof safe and an electronic copy that can be accessed from any computer. Policyholders are also encouraged to keep a copy in a secure, secondary location such as a safe deposit box.

What is a premium?

A premium is the amount paid to maintain insurance coverage annually.

How do I determine if my location is in a designated Flood Zone as identified by the National Flood Insurance Program?
For information on Flood Zones please visit
I value my privacy. What do you do with my private information?

This website is administered by MiniCo Insurance Agency, LLC.

We keep all personal information private and will not sell it to other companies, advertisers, mailing lists, telemarketing companies or third parties.

Your phone number is requested to ensure that we have your complete contact information. Your phone number will be used if we need to speak to you directly to process your quote or provide information concerning a policy you purchase.

We require your e-mail address in order to send you a summary of your quote in the event your application needs to be reviewed. You policy or any future endorsements to the policy will be sent to you by e-mail.

For more information regarding the use of your phone number and e-mail address, please review our Privacy Policy.

What happens when I enroll in Paperless Delivery?

You will receive an e-mail notification whenever a new billing or policy document is available to view in eDocuments within your online account.

What e-mail address will be used for Paperless Delivery?

The e-mail address you provide at application becomes your online account user name as well as your e-mail for Paperless Delivery. All notifications for eDocuments will be sent to this e-mail address.

How can I view my documents online?

You will need Adobe Reader to view the documents, which are available as PDFs. Log in to your online account to view, save or print billing and policy documents.

What company is the carrier for AXA XL Collectibles Insurance?

AXA XL, the world’s leading art and collectibles insurance specialist, has partnered with MiniCo Insurance Agency to offer this collectibles coverage. AXA XL products are underwritten by AXA, which maintains an “A (Excellent)” Financial Strength Rating from A.M. Best. Both AXA XL and AXA are members of the global AXA Group, one of the largest insurance companies in the world.

Click here to go to the AXA XL website.

What Agency is the Program Administer for the Collectible Insurance Program?

MiniCo Insurance Agency, LLC has partnered with AXA XL as the program administrator to offer this collectibles coverage. MiniCo Insurance Agency, LLC, was founded in 1974 as a provider of specialty insurance products and publications for the self-storage industry. Today the company is a managing general agency offering multiple specialty property and casualty insurance products for a variety of unique industries and exposures. MiniCo Insurance Agency, LLC, the parent company of MiniCo Insurance Agency of Canada, Incorporated, is a member of the Aran Insurance Services Group.

Click here to go to the MiniCo Insurance Agency website.

What is a loss or claim?

A claim is a loss reported to your insurance company. A loss is damage to your collection whether reported or not.

What types of losses are covered?

AXA XL Collectibles Insurance provides an all-risk policy to cover collectible items that are potentially vulnerable to losses. Some of the important collectible type causes of loss covered as part of our policy are listed below. Additional coverages are included for specific collectible classes. Please review your policy for more information on coverages, conditions and exclusions.

  • Accidental breakage
  • Fire
  • Lightning
  • Water damage
  • Mysterious disappearance
  • Loss in transit
  • Burglary
What is mysterious disappearance?

Mysterious disappearance is when you can’t pinpoint when or where the item went missing. For example, you come home and discover your painting is gone. It can happen while you’re away at work or on vacation, and, with us, you’re covered.

What will the insurance company require from me in the event of a loss?

If you need to file a claim, you will be required to provide the insurance company with documentation supporting the value of the item that has been damaged. Acceptable documentation includes:

  • Appraisals
  • Purchase invoices or receipts
  • An inventory list with a detailed description of the item and value
  • A loan agreement documenting value
  • Photos
  • Videos
What is a deductible?

The deductible is the amount of money that you agree to have deducted from the total of your covered loss.

How do I file a claim?

To provide the best service for our customers, collectibles claims will be handled directly by AXA XL Americas Corporation.

Click here for details