Question 1

Do I need collectibles insurance?

Accepted Answer

Most homeowners policies cap or exclude high-value collectibles, and almost none cover market appreciation, accidental damage at conventions, or in-transit loss. WAX's free 3-minute assessment helps you decide whether dedicated coverage makes sense for your collection.

Question 2

How does WAX compare to my current policy?

Accepted Answer

Upload your existing declarations page and WAX instantly analyzes coverage limits, exclusions, deductibles, and pricing side-by-side against both WAX Flex™ and WAX Classic™, so you can see exactly where you're protected, where you're exposed, and which WAX product best fits your collection.

Question 3

What's the difference between WAX Flex and WAX Classic?

Accepted Answer

WAX Flex™ is our modular surplus-lines product backed by our AM Best A+ (Superior) rated carrier partners, you choose optional coverages and your claims payout at quote, locked in for the policy term, (100/125/150%) for control and value. WAX Classic™ is our admitted product with maximum coverage standard, every endorsement on, payout locked at 150%, and Mysterious Disappearance included. Brokers can quote both from a single submission.

Question 4

Does WAX cover mysterious disappearance?

Accepted Answer

Yes, on WAX Classic™, where Mysterious Disappearance is included as standard. It is not available on WAX Flex™. If Mysterious Disappearance matters to how you collect, Classic is the right product.

What's the right coverage for your collection?

Do I Need It?

Can You Beat It?