Frequently Asked Questions

A typical homeowner’s policy is designed to protect your home and its contents, usually limiting coverage of sports memorabilia to a maximum amount, typically $1,000 or less. So if your collection is valued more than that, you won’t be able to replace it with a similar item. Stadium Insurance will provide coverage for most causes of loss, with a minimal deductible, so you can protect your sports memorabilia without worry. That means, in the event of a fire, water damage, or it’s stolen, you’ll be compensated in no time at all, so you can purchase another sports collectible exactly like you had.

Yes, the deductible options start at $0 and you can choose higher deductibles for lower premiums.

If the market value of the sports memorabilia item covered on your policy has increased before a loss, we’ll pay the market value at the time of loss – up to the scheduled item limit and subject to the overall policy limit. This is subject to the maximum amount of coverage of your sports memorabilia collection. However, as each piece of sports memorabilia is unique and values fluctuate over time, we recommend periodically tracking the market value of your sports collection so that you're best protected.

Appraisals are not required, however items valued at 10% or more of your policy limit or exceed $25,000 must be authenticated. Stadium can assist in getting your items authenticated through our partnerships with industry leaders.

If Stadium recovers a stolen item, we will offer you the opportunity to buy it back at the same amount that was paid out at the time of loss. Should you prefer to keep the payout, Stadium will retain the item.

Coverage can be provided at multiple locations in the United States. You must notify Stadium Insurance of each individual location and they must be listed on your policy declarations.

Transit coverage is provided for collectibles that are temporarily away from scheduled location(s).

Stadium will cover your collection when mailed to a buyer and while in transit to and from the premises of the authenticating or grading service or a pre-certified auction house by common carrier up to 10% of the "limit" per mailing. Items must be shipped by registered/certified mail with tracking and signature confirmation upon receipt, and must be packed in accordance with the authenticator, grading service, or pre-certified auction house's guidelines.

All claims require proof of loss and should be reported immediately. It is important that you maintain records, inventory, pictures/videos, receipts, and/or authentication. A police report is required for any items lost to theft.

The following are a list of excluded from our coverage: Government seizure or destruction of property; war and nuclear hazards; gradual deterioration such as fading, creasing or denting; nesting, infestation or discharge or release of waste products or secretions by insects, rodents or other animals; dampness or dryness of atmosphere; changes in or extremes of temperature other than fire; fraudulent, dishonest or criminal acts; voluntary parting with covered property; loss or damage while being worked on by you or others working on your behalf; and mysterious disappearance. This is not a complete list of exclusions.

The policy can be cancelled at any time during the policy period with the insured's written request. In the event of cancellation by the "insured" the earned premium shall be calculated as follows: If insurance has been in force for more than 12 months, earned premium shall be calculated on a pro rata basis from the first anniversary date. If insurance has been in force 12 months or less, a short rate table will apply to the full annual premium