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Many digital-savvy consumers look for it as a core or add-on option.
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Do you have a stash of baseball cards that you collected as a kid? Are you looking to acquire a signed uniform or photograph from your current favorite player? These days, collecting sports memorabilia can be a fun and exciting hobby—and a potentially lucrative investment as well. Even if you’re just accumulating items for sentimental reasons, consider these tips as you expand your valuable sports memorabilia collection:
Make sure it’s the real thing.
With the demand for sports memorabilia, there is also a rather lucrative market for fakes. So, be sure to do your research before you buy. It’s safest to purchase from the official stores of reputable organizations like the MLB, NFL, NBA, NASCAR, and NFL, or make sure your item has been examined and approved by an authenticating company such as Professional Sports Authenticators (PSA) or Memorabilia Evaluation and Research Services (MEARS). If the item has been reviewed by one of these firms, it will have a certificate of authenticity.
Choose an insurer who knows collectibles and can give you extras.
Most homeowner's policies will cover some of your valuables—up to a certain amount. But if you have (or are building) a more extensive collection, you may want to consider purchasing a Valuable Articles policy from an insurance company, like Chubb, who can provide the protection you need to replace a lost, stolen, or damaged item.
Verify that it has a secondary market.
Not every piece of sports memorabilia is worth insuring. If it has a secondary market, it’s probably worth some money, and therefore worth protecting.
Consider inflation.
In certain cases, Chubb will pay up to 150 percent of the amount your item is worth today. Although it’s wise to get your items appraised periodically, Chubb ensures that if your item is worth more today than you thought—and it is lost, stolen, or damaged—you can replace it today.
Review your collection regularly.
Any time you purchase a new item for your collection, you will want to add it to your insurance policy. However, with Chubb, you don’t have to do it immediately. Your newly acquired items are covered for up to 90 days up to 25 percent of the policy limit, if you’re already covered for items like it on your policy.
Insights and expertise
This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.
Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.