My experience is that you will never agree on a replacement value as a part of your regular HO policy. Save yourself the trouble and get a collectibles policy. I tried to go this route once and my company (very large national company) wanted me to videotape every card and provide receipts.
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HOF Type Collector + Philly A's, E/M/W cards, M101-6, Exhibits, Postcards, 30's Premiums & HOF Photos
"Assembling an unfocused collection for nearly 50 years."
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