I carry the TCA sponsored insurance. Quite a number of years ago now I had contractors working on the house. One of their employees helped himself to several thousand dollars worth of trains. Most were recovered by the police but a number were never found.
I keep a database of all of my trains with approximate current values. I filed a claim with the insurance company, they cross checked my stated values with the TCA, and they sent me a check very quickly.
The TCA coverage comes in two forms, declared individual items for those who don't change their collections often and blanket coverage. I had the blanket coverage. I carry about $80,000 worth of blanket coverage which costs about $500 per year. I very much recommend the TCA sponsored insurance policy.
LionelFlyer
