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CIB - Collectorsinfo.com said:

Will household insurance cover damage to antiques or collectibles in the home?

Homeowners policies are usually quite limited in ability to cover collectibles and will not cover collector market value. They are meant to specifically protect the dwelling and its contents, with the normal exclusions such as accidental breakage, flood, and earthquake. So never assume — always check with your insurance agent.  — Linda

American Collectors Insurance gives collectibles the protection they deserve. The company provides insurance for most types of collectibles — figurines, dolls, teddy bears, vintage toys, model cars, miniatures, plates, ornaments, animation art, sports memorabilia, model railroads, vintage advertising, militaria, carousel animals, and more — just contact them to find out if your collection can be covered. Blanket coverage up to $10,000 can be purchased for just $75 per year — and all qualifying collections within a single household can be insured under the same policy. Their logo: If it's worth collecting, it's worth protecting™. Call 866.919.9759 or visit 

— Linda

Thank you Linda for this valuable information. I will check into this company regarding my Victorian & Edwardian clothing & accessories collection.

Kind regards,

Victoriana Lady