Posted By:
AlSpoke with USAA this AM...
My cards are covered under my Personal Property portion of my Homeowner's Insurance policy. They do not offer a separate policy for paper products. It is highly advisable to make scans of all cards which clearly show the cert # and the cost basis of the card(s). I will be making a disc with scans of my stuff and include all paypal and checkbook data about what I paid, to be included. I plan to house these documents at my bank in my safety deposit box in the event I have an unpleasant experience with my cards. There is however a $1k deductible on my policy for this loss should it occur.
If you have used esnipe (as I always do), you can get a complete history of your activity to show to the adjuster exactly what you paid for every card won via esnipe. This is a "more is better" to validate what you lost and what you paid. Undoubtedly, adjusters must roll their eyes as soon as you say "my baseball card collection was destroyed", that's just my opinion.