Posted By:
JKMark,
I would recommend that you not use your insurance company for your cards and instead look at a agency (CIA) like collectibles insurance company. They are in the business of insuring cards and do so without the need for an appraisal or an inventory (which is helpful if you buy and/or sell a lot). All you need to do to prove a loss is provide proof of ownership (I keep scans and sales receipts) and then provide a reasonable estimate of replacement cost (this can be done via Vintage Card Pricer, ebay, your own purchase records, etc). The only cards that need to be specifically scheduled are those valued at over 5,000. I cant recall who they use to underwrite the policy, but its a AAA rated company (or whatever signifies the highest rating in the insurance industry).
Disclosure - I have my cards insured via CIA and have no stake in the company.