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PaulI use CIA for my cards. I insure my collection at cost, but the policy I believe supposed to cover any price appreciation or replacement cost. I was told that they would poll dealers/experts to get estimates on current values if needed. CIA doesn't require much documentation to setup the policy, only on cards that you suspect are valued over 5k. The best thing to do once your policy is in place, is to document your collection with pictures & receipts, but they seem to put more emphasis on pictures. I would try to get yourself pictured with most of your major cards too. I had a policy with State Farm before CIA, but soon realized they were clueless & a hastle to deal with.