I'm considering adding coverage to my homeowners insurance policy to cover my modest O-gauge train collection: six train sets, four THOMAS train sets, three trolleys, 12 operating accessories, 11 O42 RC switches, 16 RR structures, 35 DEPT 56 porcelain buildings,18 scale autos -- all placed on a 15 x19 feet L-shaped layout. Several pics attached for reference.
My insurance agent asked for an inventory list with prices as a basis for preparing a quote. However, I didn't make an inventory list of the train stuff - just the DEPT 56 items. I'm reluctant to spend the time and energy to create that inventory list if the cost/benefit ratio of insurance isn't worth it.
Meanwhile, I'm 83 years old and will probably dispose of the entire collection via an auction house anyway -- before my last illness approaches (to spare my widow that chore).
Candid comments welcome.
Mike Mottler LCCA 12394