Antiques And Collectibles Insurance Group

Antiques and Collectibles Insurance Group is a specialized provider catering to the unique needs of collectors and dealers in the antiques and collectibles industry. Established in 1991, the group has grown to become the largest national association for antique dealers and collectors in the United States, boasting over 3,000 members across all 50 states.

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Their insurance offerings are comprehensive, covering individual collector policies as well as liability, inventory, and building coverage for businesses within the industry. They work with three insurance companies, all rated either A or A+ by AM Best, which speaks to their financial strength and reliability.

Antiques And Collectibles Insurance Group
Antiques And Collectibles Insurance Group

The groups policies are designed to protect against a range of potential risks, including accidental breakage, theft, flood, and other types of loss. This ensures that collectors can safeguard their valuable items, from high-value artwork and Persian rugs to model trains and coins.

What sets Antiques and Collectibles Insurance Group apart is their understanding of collector passions and their commitment to providing tailored insurance solutions. Their policies reflect a deep knowledge of the industry and a dedication to preserving the value and integrity of each collection.

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Benefits of Antiques And Collectibles Insurance Group ACIG Policies

The Antiques And Collectibles Insurance Group (ACIG) offers specialized insurance policies tailored for collectors and dealers of antiques and collectibles. These policies provide several benefits over standard homeowners insurance, ensuring that your unique items are adequately protected.

Key Benefits:

  • No Appraisal Hassles: For items under $5,000, no appraisals are required, simplifying the process.
  • Cost-Effective Rates: ACIG policies are generally more affordable than typical homeowner coverage.
  • Replacement Cost Coverage: If an insured item is lost or damaged, you will receive its current market value.
  • Comprehensive Protection: Coverage includes a wide range of incidents, from fire and theft to accidental breakage.
  • Low Deductibles: Starting at $250, these policies offer lower out-of-pocket costs in case of a claim.
  • Highly Rated Carriers: All policies are backed by carriers with strong financial stability ratings.
  • Collector-Designed: The program is crafted by collectors, ensuring it meets the specific needs of the antiques and collectibles community.

ACIGs policies stand out because they are designed with the collector perspective in mind, offering peace of mind that your cherished collection is in safe hands. Whether you are a seasoned collector or a business in the industry, ACIG provides the specialized coverage you need.

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Applying for Antiques And Collectibles Insurance Group Insurance

Applying for insurance with the Antiques And Collectibles Insurance Group (ACIG) is a straightforward process designed for collectors and dealers.

Step 1: Membership: In order to start collecting antiques, you first need to join the Antique & Collectibles National Association (ACNA). This involves filling out an application and paying a membership fee.

Step 2: Choose Your Coverage: ACIG offers various policies, including individual collector policies, liability, inventory, and building coverage.

Step 3: Application Submission: Download the insurance application from the ACIG website. Complete it by providing details about your collection or business and submit it via mail.

Step 4: Inventory List: Prepare a detailed inventory of your items, including their estimated value. This is crucial for assessing the right coverage for your collection.

Step 5: Review and Approval: Once submitted, your application will be reviewed.

Step 6: Policy Issuance: After approval, you will receive your policy documents, confirming the protection of your valuable collection or business assets.

Why Choose Antiques And Collectibles Insurance Group?

Choosing the Antiques And Collectibles Insurance Group (ACIG) for insuring your precious collectibles comes with several compelling benefits:

Personalized Coverage: ACIG understands that every collection is unique. They offer tailored policies that match the specific needs of collectors and dealers, ensuring that your items are protected exactly the way they need to be.

Affordable Rates: With ACIG, you can protect your collection without breaking the bank. Their rates are generally more cost-effective than standard homeowners insurance, making it a smart financial choice.

Comprehensive Protection: Whether its fire, theft, or accidental damage, ACIGs policies cover a wide range of potential risks, giving you peace of mind that your collection is safe in any event.

Highly Rated Carriers: The insurance carriers that back ACIGs policies are highly rated for their financial stability. This means you can trust that they will be there when you need them.

Collector-Friendly Process: The application process is straightforward and designed with collectors in mind. It is easy to get started and secure coverage for your valuable items.

Expertise in the Field: ACIG has been serving the antiques and collectibles community for years, providing them with the expertise and understanding necessary to offer the best protection possible.

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