Petroliana Collection Insurance
A dedicated collectibles policy that covers your entire petroliana collection on an agreed-value basis — far broader than the sub-limited rider a homeowners policy bolts on for 'valuables.'
Insurance Built for Petroliana Collections
A petroliana collection is unlike any other property in your home. A wall of porcelain signs, a row of restored visible gas pumps, a shelf of illuminated globes, and cases of vintage oil cans can represent tens or hundreds of thousands of dollars in value — yet most owners are carrying it on a standard homeowners policy that was never designed for it.
Petroliana collection insurance is a specialty collectibles policy that schedules your collection and covers it on an agreed-value basis: you and the carrier agree what each piece (or the collection as a whole) is worth up front, and that is what you are paid after a covered loss — no depreciation argument at claim time.
Why a Homeowners Policy Leaves You Exposed
Bolting your collection onto a homeowners policy creates real gaps:
- Low blanket sub-limits. Homeowners forms cap categories like "collectibles" at a few thousand dollars — a fraction of a serious collection.
- Actual cash value, not agreed value. A standard policy depreciates, and adjusters argue value on irreplaceable items with no easy comp.
- Named perils and exclusions. Breakage of fragile globes and glass, flood, and certain transit losses are commonly excluded.
- A claim raises your home rates. A collectibles loss shouldn't put your homeowners policy at renewal risk.
What Collection Coverage Includes
- Agreed-value scheduling of high-value individual pieces
- Blanket coverage for the broader collection up to a chosen limit
- All-risk / open-perils protection, including accidental breakage
- Newly acquired items automatically covered for a window so a swap-meet find is protected the day you buy it
- Worldwide / off-premises coverage so items are protected at shows, in storage, and in transit
We Place the Specialty Markets
We work with the carriers that knowingly write collectibles and fine-collection risk — markets that understand petroliana values, appraisals, and the realities of restoration. We help you document and schedule the collection correctly so a claim is paid on the value you actually own.
What's Covered
Frequently Asked Questions
Only to a point. Homeowners policies cap 'collectibles' at low blanket sub-limits, pay actual cash value (depreciated), and exclude common collection perils like glass breakage and certain transit losses. A scheduled agreed-value collectibles policy closes those gaps.
High-value individual pieces are usually scheduled with documented values or appraisals; the broader collection can be covered on a blanket limit. We tell you exactly what documentation each carrier wants and help you put it together.