What’s Not Covered Under my Collectibles Policy?

Wear and tear, deterioration, color transfer, fading, creasing
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Water damage from sewer/drain backup, groundwater, or flood in FEMA zones A or V
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Theft without robbery, vandalism, or malicious mischief
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Mysterious disappearance or unexplained loss
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Earth movement (earthquake, landslide, sinkhole)
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Pet, rodent, bird, or insect damage
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Work done on the item (repair, cleaning, restoration)
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Items stored outdoors, below grade, or without a smoke alarm (special rules apply to items over $2,000)
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Voluntary parting due to fraud or trickery
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