Personal / Collections / Numismatics
Numismatics, Insured the Way Collectors Actually Own Them.
Your insurance should be as precise as your grading eye.
You can look at a Morgan dollar and know within seconds whether the luster is original, whether the surfaces have been cleaned, and whether the strike justifies the grade on the holder. You understand the difference between MS-64 and MS-65 in a way that translates directly to four figures. You've studied die varieties, mint errors, and provenances that trace back through decades of auction catalogues. Whether you collect ancients, pre-war U.S. type, world gold, pattern pieces, bullion, rare currency, or exonumia, WAX Collect was built for the collector who brings that level of precision to everything they do, including their insurance.
The base metal: what's covered
WAX Collect covers theft, accidental damage, fire, flooding, worldwide travel, and pets. In a numismatic collection, theft is the primary concern, followed closely by fire (genuinely catastrophic for graded holders and raw coins) and flooding (same). Accidental damage matters most for raw or lightly handled pieces. All covered.
That's the planchet. WAX Flex™ is the die.
Lever one: Strike your own configuration
Two optional coverages, each independently toggleable. Your premium adjusts in real time based on your actual configuration.
Checked Baggage Coverage
Extends protection to airline baggage handling. If you attend major shows. FUN, the ANA World's Fair of Money, CSNS, and you transport pieces in checked bags, toggle this on. If you ship professionally or carry on, easy remove.
Unattended Auto Coverage
Protects pieces left in an unattended vehicle. Post-show, post-dealer visit, post-consignment. Common enough in this hobby. Toggle on if it applies. Remove if it doesn't.
Want Mysterious Disappearance? It's included as standard on WAX Classic™.
Lever two: Grade your coverage
Most insurers give every numismatic collection the same fixed structure: 150% agreed value, applied uniformly whether you're protecting raw bullion or a PCGS MS-67 Saint-Gaudens.
WAX Flex™ lets you match the payout range to the actual character of your collection:
100%. Agreed value. Right for bullion positions, modern proof sets, and established-market type where current melt or market value is stable and well-documented.
125%. Up to 125% above agreed value. Subject to the class limit. Appropriate for coins with steady, documented appreciation. Classic U.S. type in high grades, key dates in mid-grade holders, series gaining collector attention.
150%. Full market appreciation protection. For finest-known examples, key date varieties acquired before registry-set competition drove prices higher, pre-33 U.S. gold in PCGS MS-65 and above, major pattern pieces and significant proofs with extraordinary provenance.
A 1794 Flowing Hair Dollar and a 2022 American Silver Eagle are not the same insurance problem. WAX Flex™ treats them accordingly.
Lever three, the Greysheet for your premium
Numismatists often collect adjacent categories. Precious metals alongside coins, paper currency alongside medals and tokens, exonumia alongside world coins. Some collect coins and watches. Some collect coins and vintage cards. WAX Flex™ rewards you for bringing multiple categories to the platform.
One category: base rate. Two: discount applied automatically. Three: greater discount applied automatically. Real time. No negotiation. No calls.
The fine print, explained clearly
- Agreed value, guaranteed. Supported by PCGS or NGC population data, Greysheet and auction comps, and qualified appraisals. At total loss you receive that agreed value in full, not a depreciated estimate from a generalist who looked at a bullion price and called it done.
- $0 deductible in most U.S. states. Losing a key-date collection is already devastating.
- 90 days of newly acquired coverage. Won a major auction lot at Heritage or Stack's Bowers last week? Covered for 90 days from acquisition, automatically.
- Worldwide coverage, the ANA convention, the London Coin Fair, Basel.
- Claims via the WAX app. Direct and streamlined.
- AM Best A+ (Superior) rated carrier partners with experienced underwriters and a long history of finding ways to say yes.
You've spent years developing an eye most people will never have. You've built a collection that reflects real expertise and real investment, your insurance should match it.
