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Has anyone had any luck with getting insurance on their models? Not just off of housing insurance, like one that is for your models. I tried a few companies but they said they are not considered collectables since I play once a week. With all the threads of armies stolen, lost, ect; it got me worried about if I lost one of my armies since there's around 1500$ per army.

Most people's homeowners insurance cover their armies. Check your policy to be sure.

It's a good question though and one I often ignore to my peril.

If my home insurance is anything like your it covers and entire sum but that is further split down into certain sums, so £10,000 for electrical goods or jewellery for example.

Where this causes me concern is the fact that I'm sure I have a "collection" limit on mine of circa £5-10k in there under personal possessions - which probably isn't nearly enough after 25 years, but quite frankly to get a collection properly insure would require much cataloging and photography just seems like such a daunting task.

So it should be insured fully and independently but in reality it won't be

The thing to do is to start the process on new purchases. Keep the receipt, take a picture (or pictures of the product) and start making a catalogue. And then add on an existing item on a one-for-one basis. Take pictures and find a proof of value. Talk to an insurance professional if you need to know how to find an acceptable proof for a given item.

There are companies that insure model railroad collection, I'm fairly certain those are "played" with relatively regularly. You might try one of them.

Why bothers insurers seem useless to me with my latest experiences of bike theft

A lot of homeowner's policies do not insure "collections" at least not realistically. I have an additional rider for my various piles of stuff which are over and above what is considered normal property. Most companies will provide the extra service for an added cost.

I tried a company that specialized in collections. Unfortunitly she never heard of warhammer and decided they won't insure me. They do trains, comics, models, but not a model that you play with, except trains. Thought I was "weird" for having around 4000 into this game over time. Ill keep trying and hope I find one.

it would probably need to be a specialized policy, one that would cover fires, theft, natural disaster, loss in the mail, godzilla, but exclude normal transportation and use.

I don't know why they would have an issue with it. Our toys are no less valuable than electric trains or comic books, and are more robust than the latter. Mice don't usually eat metal or plastic army men, but they will demolish a long box just for a nest.

What I'm getting at is don't take no for your answer, who knows she may not be aware of all their company offers.

If people can insure their butts or other body parts, I'm pretty sure you can do the same for miniatures

agustin wrote:
The thing to do is to start the process on new purchases. Keep the receipt, take a picture (or pictures of the product) and start making a catalogue. And then add on an existing item on a one-for-one basis. Take pictures and find a proof of value. Talk to an insurance professional if you need to know how to find an acceptable proof for a given item.

I'm not an insurance expert, but have family members in the business. What agustin said is true, you can add what's called a rider to an existing policy which insures an additional amount over and above what your current renters or homeowners covers. It's not terribly expensive to get a $10,000 rider, you just need to pony-up a bit for your premium and the company will want some inkling of what it is exactly that you're insuring.

Note: in most cases, you're normal homeowners insurance should cover your possessions. However, as many people find out after the fact, it's extremely important to document your possessions both in writing and with video/pictures, the more detailed the better. This is especially true if you have collections or hobbies outside of the realm of normal possessions (i.e., clothes, electronics, furniture). So, if you have a gun collection or collect antique coins or have $100k in man-dollies, you probably should talk to your insurance agent about getting them documented and covered properly!

 conker249 wrote:
I tried a company that specialized in collections. Unfortunitly she never heard of warhammer and decided they won't insure me. They do trains, comics, models, but not a model that you play with, except trains. Thought I was "weird" for having around 4000 into this game over time. Ill keep trying and hope I find one.

It might be worth it to call her office back, and ask to speak to a supervisor, talk him/her through the value and process that is 40k and maybe see if there isn't a chance to change policy on that

 the_Armyman wrote:

agustin wrote:
The thing to do is to start the process on new purchases. Keep the receipt, take a picture (or pictures of the product) and start making a catalogue. And then add on an existing item on a one-for-one basis. Take pictures and find a proof of value. Talk to an insurance professional if you need to know how to find an acceptable proof for a given item.

I'm not an insurance expert, but have family members in the business. What agustin said is true, you can add what's called a rider to an existing policy which insures an additional amount over and above what your current renters or homeowners covers. It's not terribly expensive to get a $10,000 rider, you just need to pony-up a bit for your premium and the company will want some inkling of what it is exactly that you're insuring.
y.
Note: in most cases, you're normal homeowners insurance should cover your possessions. However, as many people find out after the fact, it's extremely important to document your possessions both in writing and with video/pictures, the more detailed the better. This is especially true if you have collections or hobbies outside of the realm of normal possessions (i.e., clothes, electronics, furniture). So, if you have a gun collection or collect antique coins or have $100k in man-dollies, you probably should talk to your insurance agent about getting them documented and covered properly!

For the record for firearms since I do collect them and have them insured on my renter's insurance your company will want brand, model and serial number same as anything else, but you do have to get it documented when setting up your policy. This is a bit simpler for guns then anything else as there's a big value book of justice and they all have serial numbers. Antique coins, man dollies, etc will probably require excessive and detailed documentation on your part, the new value from GW (for 40k) and the the receipt for things like bits, or custom painting services if you had someone do an extra special model for you.

For example I have my Seraphim conversions that I'm rather proud of. Each individual model's expensive to start, because Sisters of Battle, then I converted them with wings and jump packs, the bits cost me $30, increasing the value.

Or so I'd guess... hmm I should probably call my insurance company

If my models were insured for retail value, I wouldn't be too sad if they melted down or were stolen. That would be a great way to downsize my collection

It's pretty hard to prove that you had them without pictures and receipts though.

I gasped when I moved in with my significant other and had to reevaluate my possessions. I always prided myself on not owning too much stuff. The minis made it skyrocket though.

Our insurance company just wants pictures and an inventory, and we had to buy the next "level" of insurance. I had to declare value on everything, but they generally will offer you 60% of that, so I'm prepared to lose something not to lose everything. Even though they call it "as good as new", it ain't.

 the_Armyman wrote:

agustin wrote:
The thing to do is to start the process on new purchases. Keep the receipt, take a picture (or pictures of the product) and start making a catalogue. And then add on an existing item on a one-for-one basis. Take pictures and find a proof of value. Talk to an insurance professional if you need to know how to find an acceptable proof for a given item.

I'm not an insurance expert, but have family members in the business. What agustin said is true, you can add what's called a rider to an existing policy which insures an additional amount over and above what your current renters or homeowners covers. It's not terribly expensive to get a $10,000 rider, you just need to pony-up a bit for your premium and the company will want some inkling of what it is exactly that you're insuring.

Note: in most cases, you're normal homeowners insurance should cover your possessions. However, as many people find out after the fact, it's extremely important to document your possessions both in writing and with video/pictures, the more detailed the better. This is especially true if you have collections or hobbies outside of the realm of normal possessions (i.e., clothes, electronics, furniture). So, if you have a gun collection or collect antique coins or have $100k in man-dollies, you probably should talk to your insurance agent about getting them documented and covered properly!

And be sure to keep the documentation in a safe place that's not your home. A safety deposit box at your bank, for example.

I have mine declared as a 'collection' on my House Insurance valued at 10,000 GBP. I've taken pictures of all my units individually so I can prove what I owned. Wether or not I'll actually get the value of it should my house burn down is another matter.

I've looked into getting cover that would protect them when I go gaming or if they got robbed from my car, but I've had no sucess. If anyone in the UK knows of any insurace cover for the above, or a professional valuation service, let me know

I was able to get them under my renters insurance. So any property of mine that gets stolen whether from my house or car is covered. Specifically asked if it gets stolen at the game store if im covered and they said yes. Just have to keep a record of what I have and pictures along with notes. Raised my insurance by .25 a month to increase it another 3,000 coverage. WINNING.