Stephanie,

For years I carried full replacement value on my collection (very expensive) and about 5 years ago I dropped the value to $15,000 when I decided the only way I would loose my entire collection is through a tornado, fire, sinkhole or a major hurricane. If that were to happen I would just replace the pieces I'm the fondest of. Otherwise, if a shelf were to break, dropped a piece, etc. I have plenty of coverage. I have a separate policy with the Collectible Insurance Exchange and DO NOT have to furnish a list of what I have.