My experience with insurance for my collection goes back many years. In the beginning I obtained coverage as part of my homeowners policy. A few years later I learned that some companies specialized in collectibles insurance at substantially lower rates and I switched. I have not had claims as yet. I feel that the greatest risk for me is from water leakage (I’ve had close calls).
There are several companies offering collectibles insurance. They can be found through Web search. Some offer ‘instant’ quotes which you can do without obligation. Most all do not require an appraisal or even a detailed listing except for particularly valuable items. ‘Instant’ rates appear to be in the 0.3 to 0.4% range ($3-$4 per $1,000 valuation). One insurance company said that rates varied based on a number of factors including location, security conditions (alarms, safes, etc.) and collection total value, and can vary from 0.1 to 0.5%. A million dollar collection at 0.2% would cost $2,000 annually, a $100,000 collection at 0.3% would cost $300.