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Does renters insurance cover collectibles?
I’m finally moving out of my parents’ house and into my own apartment. However, I have to decide what to take with me. I have a big collection of collectible coins. Would renters insurance cover my collectibles?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s a big step moving out of your parents’ house, so congrats! If you get a renters insurance policy, it will cover collectibles.
Renters insurance
specifically covers your personal property from damage. There are **16 perils **that renters insurance covers your collectibles for, including:- Theft
- Vandalism
- Fire
- Falling objects
That said, many renters and home insurance policies have special limits of liability for money and coins. Typically, there is a $200 limit, meaning if something were to happen, your insurance would pay out $200. If your collection is worth more than this, you may want to avoid bringing it with you.
You should check with multiple insurance companies to determine who offers the highest limits for collectibles. You can do this by requesting quotes online to find the best rate for the coverage you need.
If you’d rather leave the hard work of gathering quotes to someone else, use
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