Hello
I think I may be of some help in regards to this as I work for an insurance company in claims (please don't hate me). First and foremost you want to check your policy to see if it covers collectibles/what is considered a collectible as well as seeing if any limits apply to collectibles. I would recommend actually sitting with your local agent face to face or at the very least speaking to them over the phone. Most policies (Home Owners & Renters) I imagine would provide some form of coverage but the problem comes with either Limits meaning you are only going to get paid up to a certain amount for the items by category or the item may no longer be manufactured and they will give you the value for what they think is similar and it may not be. One thing you can do is called Scheduled Personal Property and essentially what that means is you get a policy or rider on a particular item or a collection of items and the items are appraised and then if something would happen to them you would get the value that they were appraised for (its a great thing to have if you have an expensive collection, however it can be a lot of work to get the items appraised). I plan on actually starting an insurance related thread and maybe I could do a Q & A (Keep in mind that I work in claims on policies that are already in effect and do not actually sell or make changes to policies, so I encourage everyone to always do their research and have extended conversations with their Agent about coverage. As others have said always get it in writing ALWAYS). Hope this helps?