Hi Craig,
I never looked at that collectibles company, But I did speak with my insurance agent when we bought our house about collectibles insurance. If I remember correctly he said that standard homeowners would cover a collection up to a certain amount, 10,000$ is stuck in my head, but I am not sure if I am remebering that correctly. As longg as you could prove you owned the cards and they were in the house. Luckily for us a decent amount of our collections are scanned in photobucket, plus I have the hard copies of scanned cards on 2 seperate computers and backed up on disc. Ialso have pictures of my card closet with my scans so I can Prove that the cards are in the home.
I was asking him about a higher dollar amount and he said we would have to pick up a seperate Rider for the entire collection value as a whole (replacement value) but I estimated 25,000 to see what the cost was and it was going to cost nearly as much as my homeowners insurance for the year on a seperate rider.
-Nick