Insure Model Trains and Railroad Collectibles

Insure Model Trains and Railroad Collectibles

Model train enthusiasts can spend years curating the collection of their dreams. Along with time and effort, train and railroad collections require a significant financial investment. Insuring a collection isn’t always the first thing people think of when asked about protecting their valuables. But it probably should be. It’s one thing to keep your collectibles in good condition, but what about when something happens outside of your control that damages your collection? Events such as a fire or theft can render your collection unsalvageable. Insurance can help.

MiniCo Collectibles Insurance

MiniCo Collectibles Insurance is specifically designed to protect the appreciated value of your collection. Starting at $75 annually, MiniCo’s policy has benefits that outweigh a traditional homeowner’s policy. Here are some highlights.

  • Coverage for collections valued at up to $1 million
  • Coverage for full collectible value
  • $0 deductible
  • No appraisal required at application
  • A.M. best “A” rated carrier
  • Nationwide availability

Homeowner’s Policy vs. Collectibles Insurance

Many collectors of trains and railroad items assume their collections are covered by their homeowner’s policy. However, in the event of an incident resulting in a claim, the collection may be covered only for actual cash value, not its full value. Normally, small collections under $5,000 need to be appraised, but not with MiniCo’s program. The policy can cover collections valued at up to $1,000,000 with no deductible! MiniCo will insure collections stored at home or in a storage facility. Many homeowner’s policies will only insure the cash value and not the collectible value, and filing a claim can trigger an increase in the premium of the homeowner’s policy. Protect your collectibles with specialty coverage through a collectibles insurance policy like MiniCo’s.

Learn More

Find out more ways MiniCo can help you preserve your collection by visiting You can get a premium quote in less than 60 seconds.

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