That is very good advice, but I really don't have anything that could not be easily replaced. It's all new from 2011 to present. I don't have any old trains of any value like some folks here d have. Just plain old ordinary stuff that they still fill the catalogs with, although I might have to wait a bit for a specific item or road name to be remade.
All I have is modern diesels (no steam) and freight cars, don't have any passenger cars. The policy I have is for replacement cost, but without asking my agent, I don't recall the exact amount covered before requiring a rider for collectibles, valuables or whatever they called it?
If I ever acquire anything of value that is not easily replaceable, I would probably go with something from a specific 'toy/model train insurer'? Might check with my agent first, but I agree that the train specific insurers would probably be a better bet in that case.
