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are your coins insured ?

Just joined the ANA and today got an offer to insure my collection.
They are using Hugh Wood ,Inc. The form doesn't mention prices.

I keep my best coins in a safe but I've often thought about getting
them insured as my homeowner's insurance doesn't cover them.

Do you have coverage on your coins ?
Is it expensive ?
Have you ever had to put in a claim ? and if so,
Did your insurance company pay for your losses ?

Thanks

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