If you own any collectible or unique items, you may not realize you can insure your treasures with a collections insurance policy. Homeowners and renters insurance typically don’t provide enough coverage for your cherished items should they become damaged or lost. If your collection is valuable or simply consists of items you treasure too much to leave to chance, an affordable collections insurance policy can ease your mind. Typically, a collections insurance policy will include open peril coverage at replacement value, often including accidental damage and mysterious disappearance.