Sal,
If you are a member of TCA, there is an insurance program available, underwritten by a third party carrier. You may also be interested in Collectibles Insurance Services ,formerly Collectibles Unlimited. C. I. offer a comprehensive coverage program. Although a long time TCA member, my coverage, for years, has been with Collectibles Insurance.
Premiums are reasonable for both. Exclusions, by both, are minimal as well. Look these programs up on the internet. Details are well covered and there is contact information. Coverage, via homeowners policies, is totally inadequate for train & toy collections, antiques, art work, etc. Such specialized coverage is available, usually only by additional rider on the basic policy, and limits are minimal. You want to be able to adjust your coverage as the composition of your collection changes and values rise or fall.
