OT - Insurance question

[CMIZ5290]

I think this is a really good thread. Is it worth it to spend hundreds or even thousands of dollars a year, and not have completely guaranteed protection?. I use Collectibles Insurance, and I believe they increase my coverage about 5% a month? Not completely sure...There are, however, cards that I'm sure I don't have invoices for. Sometimes when you buy a card on Ebay, the seller does not send one with the card. I try to make scans of all cards on my computer, but I'm sure that there are some that I don't have. Also, I don't think any benefit comes along in the event of a card (rare, hard back, low pop....) that gets stolen or lost unless it is listed on the schedule of items. This is certainly a topic I would like to learn a lot more about. Knock on wood, no claims so far....Thanks