[jchcollins]

+1 for CIS.

They ran a deal being advertised by Beckett a few years back, and I decided it was time I got my stuff insured. While I would be ticked if a natural disaster destroyed my entire collection, I don't have anything uber rare or 1/1 to the point where money could not replace it - so for me, insuring the cards and keeping them in the house and not across town in a safe deposit box where they would never see the light of day is ideal.

I've renewed twice now I think, last year increasing my total value by a few grand, and this year due to the market conditions I just left it the same. They are easy to work with and friendly when you call to ask questions. No item has to be individually declared I don't think unless it's worth north of $25k. Also I like the fact that as a collector (not if you are a legit seller / business) you are covered on incidental items from your collection that you sell / get rid of, and so I no longer have to buy USPS insurance on expensive cards that I sell, but only signature confirmation. This is a nice perk. I don't sell a ton, and never do it really with profit in mind (generally only paying down newly incurred card debt....) so not having to pony up for expensive USPS insurance anymore is nice.