Posted on by David Dale

Sports memorabilia isn’t just décor — it’s value, history, and often a deeply personal investment. Whether you collect autographed jerseys, helmets, cards, or framed pieces, properly insuring them is essential. At Combined Insurance Service LLC, we regularly help collectors understand the difference between what’s covered under a homeowners policy and when inland marine insurance is necessary.

Here’s what every memorabilia owner needs to know.

When Your Memorabilia Stays at Home: Homeowners Insurance May Be Enough

If your collection stays safely displayed or stored inside your home and is not in transit, your homeowners insurance can often provide some level of protection.

However, it’s important to be aware of a few limitations:

🏠 Coverage Limits Can Be Low

Most homeowners policies include caps on collectibles, which may not reflect the true market value of your items.

🏷 You May Need an Endorsement

To insure high-value memorabilia properly, you may need to “schedule” items individually to make sure they are covered for their full value.

🚫 No Coverage Once Your Items Leave the Home

The moment your memorabilia is transported for a show, signing event, consignment, storage, or framing, homeowners coverage typically stops.

If your collection never leaves the house, a properly endorsed homeowners policy may be all you need — and we can help you set that up correctly.

Memorabilia in Transit: Why Inland Marine Coverage Is Essential

Any time you travel with your collectibles — even just across town — they are considered in transit. And that’s where homeowners insurance no longer protects you.

📦 Inland Marine Insurance Offers:

  • Coverage while traveling

  • Protection at shows, signings, events, and storage facilities

  • Higher coverage limits for valuable or one-of-a-kind items

  • Broader protection, including accidental damage and mysterious disappearance

If you regularly attend events, buy/sell collectibles, transport items for framing, or run a memorabilia business, inland marine coverage is the safest and most comprehensive option.

At Combined Insurance Service LLC, we help collectors and small business owners secure inland marine policies tailored specifically to their needs.

A Local Expert for Memorabilia Collectors

If you’re looking for authentic, high-quality sports collectibles, or you need advice from someone who works with rare and valuable pieces every day, check out:

Matt Powers
Powers Sports Memorabilia
923 NE Woods Chapel Rd, Suite 203
Lee’s Summit, MO 64064
(816) 868-2310
matt@powerssportsmemorabilia.com
www.powerssportsmemorabilia.com

Matt is well-known for offering trusted, verified memorabilia — and he understands the importance of insuring those investments properly.

Final Thoughts from Combined Insurance Service LLC

Your memorabilia collection deserves the right protection — whether it lives safely at home or travels with you.

✔ Not in transit? Homeowners insurance may protect it with proper endorsements.
✔ In transit? Inland marine insurance is the best way to ensure full coverage.

If you’re unsure which type of policy fits your situation, or you’d like a free review of your current coverage, Combined Insurance Service LLC is here to help.

📞 816-847-1911
📍 Serving Kansas City, Lee’s Summit, and surrounding areas
💼 Combined Insurance Service LLC — Protecting what matters most