Collector guide

Insuring a Graded Card Collection

Create documentation and ask insurers the right coverage questions.

Graded-card decisions combine authentication, condition, market demand, service cost and personal collecting goals. A numerical grade is useful information, but it does not replace inspection of the card or the economics of the transaction.

1. Inventory

Inventory should be evaluated in the context of the exact card, collecting goal, grading company, market and total cost. Record what is known, separate official information from seller claims, and use conservative outcomes when money is involved.

2. Certification numbers

Certification numbers should be evaluated in the context of the exact card, collecting goal, grading company, market and total cost. Record what is known, separate official information from seller claims, and use conservative outcomes when money is involved.

3. Photographs

Photographs should be evaluated in the context of the exact card, collecting goal, grading company, market and total cost. Record what is known, separate official information from seller claims, and use conservative outcomes when money is involved.

4. Purchase records

Purchase records should be evaluated in the context of the exact card, collecting goal, grading company, market and total cost. Record what is known, separate official information from seller claims, and use conservative outcomes when money is involved.

5. Current-value evidence

Current-value evidence should be evaluated in the context of the exact card, collecting goal, grading company, market and total cost. Record what is known, separate official information from seller claims, and use conservative outcomes when money is involved.

6. Coverage exclusions

Coverage exclusions should be evaluated in the context of the exact card, collecting goal, grading company, market and total cost. Record what is known, separate official information from seller claims, and use conservative outcomes when money is involved.

Important: This guide is educational. It does not predict a grade, guarantee authenticity, provide an appraisal or recommend cards as investments.

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