For those concerned, as a couple of people mentioned that it seemed that their policies increased every year, if you go to the site and print off (or just download) one of their forms called "FAQ for Collectors", then go to page three and it is explained that you are insured with an auto appreciation of 1% per month for the life of your policy so if you insure at $10,000 in January, come June, you're covered at $10,600; then you renew the next January at the next level (don't know if rounded up or down) due to your collection being covered at $11,200. You have the right to waive this and change it on your own if you feel more comfortable doing that or feel that they are overcharging you.

The two questions refering to that were about acquiring new pieces and increase in value, but you are responsible to let them know as your level increases or you won't be covered for new acquisitions.

Hope this helps (I believe Rich and Mombo) any one who was perhaps unaware of this fact.

FYI, Steve