I have a fire proof safe at the house but my homeowner's insurance only covers collectibles up to $2500... they'll jump to $5k if you itemize everything, take photos, then submit to them for their records. My wife just inherited about $4k in crystal figurines that are now on display in the dang china cabinet I had to buy her. So, I figured I'd take any card valued over $500 and put them in the lockbox, along with my coins, and leave everything else in the safe at home. My insurance agent has helped me out in the past but now we need to just get some of the smaller, more valuable items off the premises.
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