The benefits that make specialty coverage worth it.
Five things a collectibles policy through WAX does that a homeowners policy usually doesn't. Jump to any section below.
Agreed value (up to 150%)
With agreed value, you and WAX set your item's insured value up front — no arguing over depreciation at claim time. On a covered total loss, WAX can pay up to 150% of the scheduled value, recognizing that collectibles appreciate. That's a fundamentally different promise from the actual-cash-value math a homeowners policy uses.
No deductible ($0)
A $0 deductiblemeans a covered loss is paid without you absorbing the first several hundred or thousand dollars. For collectors filing a claim on a single high-value card or piece, that's real money that stays in your pocket.
Worldwide protection
Coverage follows your collection worldwide — at home, at a convention, at a signing, or on vacation. It also includes loss and mysterious disappearance, one of the most common collectibles losses and one homeowners policies typically exclude.
Transit coverage
Collectibles are most at risk when they move. Coverage extends to items in transit — shipped to a grader, mailed to a buyer, or carried to a show. Combined with worldwide protection and a $0 deductible, your items stay covered door to door.
Scheduled vs. blanket coverage
Scheduled coverage lists items individually with agreed value — ideal for grails, key graded slabs, and watches, where you want a specific insured value per item.
Blanket coverage applies one total limit across many items, which suits large collections and bulk. Blanket has a per-item limit of $50,000and is manually underwritten; for a blanket quote we'll ask for your total item count, full blanket value, and your ten most valuable pieces. Many collectors combine both approaches — schedule the grails, blanket the rest.
Newly acquired items
Just bought something? Newly acquired items are automatically covered at 25% of your class limit for 90 days, so a fresh pickup isn't left unprotected while you update your policy.
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See it in action: WAX vs. Homeowners · Trading Card Insurance
Coverage is subject to policy terms, underwriting, and WAX approval; availability and thresholds vary by state. Nothing on this page is a bound policy or a binding quote. Insurance is offered through a licensed agency appointed with WAX Insurance. Figures and limits described reflect general WAX program guidelines and may change.