There are quite a few threads on Net54 answering this question. If you do a Google search: NET54 INSURANCE you will find a number of threads. You could also look on the main page to a few days ago, I know a thread just recently was updated with a collector going with American Collectors Insurance (also the one I go with). Then you won't have to wait as long for answers.
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Barry Larkin, Joey Votto, Tris Speaker, 1930-45 Cincinnati Reds, T206 Cincinnati
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