Storing a collection

[mkskillz013]

Hoping for opinions on storing and securing a collection via a) a vault, b) a bank safety deposit box, and c) at home with a CIS insurance policy -- or some combination of these.

a) Vault - cards are insured, and generally inexpensively as something of "group insurance". While you lose the ability to touch and feel the cards at any time, most vaults provide beautiful high-res imaging (and many times look better than the card does in person). While I never dug into the legitimacy, I vividly recall reading a variety of horror hypotheticals in the event of vault bankruptcy. You also have less flexibility / speed to sell unless you do so with the vault where they are stored. I'm also curious about anyone's experience with estate issues -- family access to the cards or funds in the event of death or incapacitation.

b) Safety deposit box -- my understanding is there is zero bank-provided insurance, but you could add the contents to a personal policy using an itemized inventory. While not always viewing in the privacy of your home, you do theoretically have easy access to them whenever the bank is open. There is the element of maintaining safety of a key. Most importantly for me, I wonder how much light exposure (if any) makes its way into your personal box. In my local banks, the light in the vault stays on for the duration of operating hours. I'd be concerned about the long-term effects on color pertaining to any light seeping through.

c) At home with CIS insurance -- this to me checks the most boxes. You buy a blanket coverage amount without the need to submit any itemized lists (you are required to maintain the list yourself ). My question here would be how often, if at all, one changes the coverage amount as your collection value changes. Here you also have the option of adding a home safe -- but while I appreciate the pitch darkness of the safe, I've read about negative long-term effects of breathability issues.

Note: I'm a long-term collector, but do "turnover" quite a bit in an effort to continuously roll-up, so having a certain portion of the cards on hand is needed. I don't travel with my cards, bringing at most a dozen or so to a quarterly show.

To this point, I've used a combination of a) and c), but was recently standing in my bank lobby and the vault struck my curiosity.

Thanks for any feedback, advice, or corrections to any of my assumptions above!