Post 90
The major part of my collection is post war and pre 1994. There are some fairly expensive Topps non basic sets in the 80s...82 Blackless and 85 Minis come to mind, and a few others.
Post 94 I just collect Topps basic sets, any traded sets and the Heritage sets, and do not insure them. But people putting together recent full master Heritage sets would have to spend several thousand do so because of SSP variations and parallels.
And if you do a completed listing search of actual sales of post 90 Topps cards, and do it by highest price first, there are some folks spending some high dollars on specialized or "chase" cards. We can debate the wisdom of them doing it for long time value, but if someone has a bunch of those, insurance is at least a consideration.
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