Shielding your collections and inventory
Insurance for Collectors and Dealers
Ultimate Protection for Collectors
The $1,500 Homeowners Cap
Most homeowners policies cap "trading cards" and collectibles at just $1,500. If you own a single high-end slab, you are likely self-insuring 90% of your risk. I bridge this gap with specialized shields designed for serious collectors.
Market Value Protection
Standard insurance uses "Actual Cash Value" (depreciation). I use real-time market data and "Agreed Value" structures to ensure your payout reflects current auction realized prices, not an outdated book value.
Accidental Breakage
A dropped slab or a shipping mishap can instantly destroy a card's value. While standard home insurance excludes "breakage," my specialized systems include it, protecting your investment from life's literal "drops".
Inventory System Design
A claim is only as good as your documentation. I provide frameworks for cataloging your collection so your digital records serve as indisputable proof of loss, making the claims process high-logic and low-stress.
Ready to audit your collection shield?
Specialty Solutions for Dealers and Shows
Denver Card Show & Transit Defense
Your collection is most vulnerable in transit. I engineer shields that cover your inventory while traveling to, attending, and returning from events like the Denver Card Show, including theft from vehicles and hotel rooms.
Collect Insure Partnership
As a partner with Collect Insure, I provide access to the hobby's most trusted coverage. These policies are designed by collectors, for collectors, offering superior rates and specialized claims handling that general agents can't match.
Dealer Liability & Inventory
If you sell cards, your homeowners policy may deny claims by labeling your collection "Business Property." I provide professional inventory shields that protect your stock whether you're at a show, in a shop, or selling online.
Global Shipping Protection
From eBay sales to private trades, I secure coverage that protects your items the moment they leave your hands, ensuring that a carrier's "lost package" doesn't become your financial loss.
Ready to audit your inventory shield?
Sells Insurance LLC
I’m Cassondra Sells, a National Independent Broker and an active collectibles dealer. My approach is shaped by my presence in the hobby and my partnerships with industry leaders like Collect Insure and Chubb.
Most agents see a 'hobby'; I see a high-value asset class. Whether you are a casual collector or a high-volume dealer at the Denver Card Show, I look three steps ahead to ensure your inventory is shielded from fire, theft, and accidental breakage.
I don't just sell policies—I build defense systems for the legacy you've built card by card.
Simple 3 Step Process
Step 01: The Risk Audit
We begin with a 15-minute consultation to identify hidden vulnerabilities in your current coverage and assets.
Step 02: System Design
I leverage my independent network to engineer a custom protection shield tailored to your specific personal or business needs.
Step 03: Ongoing Defense
I deploy your protection and manage the logistics, allowing you to stay focused on your high-impact activities.
Ready to get started?
Now I live stress free knowing we are prepared. If you need someone who is extremely knowledgeable and whom is ready to help, call Cassondra.
JENNY
⭐⭐⭐⭐⭐
When I mentioned not knowing much about Life Insurance, Cassondra was so great about following up, taking her time to answer my questions.
CASSIE
⭐⭐⭐⭐⭐
If you're looking for someone who is efficient and trustworthy when it comes to finding the right protection for your needs, Sells Insurance will have your back. Working with her was so easy and I'd recommend her to anyone!
NAOMI
⭐⭐⭐⭐⭐
Her explanation were clear, and she responded quickly to every question. I Felt completely taking care of and now have real peace of mind. I highly recommend Cassandra Sells to anyone in Colorado 5 Stars!
ISIDRO
⭐⭐⭐⭐⭐
FAQs
Why can't I just use my homeowners insurance for my cards?
Most homeowners policies have a "Special Limit" on collectibles—usually capped at $1,500 to $2,500 for the entire collection. If you own a single high-end slab, you are likely self-insuring 90% of your risk. I bridge this gap with specialized standalone policies.
Do I need an appraisal for every card in my collection?
No. For most policies with Collect Insure, individual appraisals aren't required for items under a high threshold. We use recent market "comps" and realized auction prices to establish value, keeping your system efficient.
Am I covered if my cards are stolen from my car?
Standard auto and home insurance strictly exclude "property in transit" for business or high-value hobbies. My "Strategic Collector Shield" includes specific transit coverage that protects your inventory even when it’s away from your home.
Does this cover me while I'm at the Denver Card Show?
Yes. I prioritize policies that include Off-Premises Coverage, protecting your inventory in your vehicle, at the hotel, and on the show floor. As a regular at the show, I understand the specific logistics of these events.
Are my cards covered for "Accidental Breakage" (e.g., dropping a slab)?
Standard home policies almost never cover breakage. I engineer systems that specifically include "Accidental Breakage" so a dropped case or a shipping mishap doesn't result in a total financial loss.
How do you handle valuation for "Raw" vs. "Graded" cards?
We use the most recent realized sales data. For graded cards, we use the specific grade (PSA/BGS/SGC) comps. For raw cards, we use Excellent/Mint market averages to ensure your "Shield" reflects real-world replacement costs.
What if the market value of my collection spikes suddenly?
I recommend a quarterly "Market Audit" of your limits. Because I work with flexible carriers like Collect Insure, we can adjust your total limit as your collection appreciates.
Does this cover my comics, coins, or other memorabilia?
Yes. The systems I design cover a wide range of collectibles, from CGC-graded comics and coins to sports memorabilia and autographs, all under one unified defense system.
Is there a deductible for collectible claims?
Many of my specialized collector policies offer deductibles as low as $0 or $100. This is significantly lower than a standard homeowners deductible, which is often $1,000 to $5,000.
How does being a "dealer" change my insurance needs?
If you sell cards, your homeowners policy may deny a claim by labeling your collection "Business Property." I provide professional inventory shields that protect your stock whether you're at a show, in a shop, or selling online.
Am I covered for international shipping (eBay/Consignment)?
secure coverage that protects your items the moment they leave your hands. If a carrier loses a package to a buyer or a grading service, your policy—not the carrier’s $100 default—covers the loss.
Do I have to list every card in my inventory?
Generally, no. You typically only need to schedule individual items that exceed a certain high-value threshold (e.g., $5,000+). The rest of your collection is covered under a blanket limit.
What happens if I buy a massive lot at a show—is it covered immediately?
Most of my preferred policies include "Newly Acquired Property" provisions, giving you a 30-day window to add major new purchases to your shield.
Why should I work with Sells Insurance instead of going direct?
Because I am a dealer myself. I speak the language of the hobby and perform a "Human Audit" of your collection that a generic website can't. I ensure your collectibles are integrated into your total financial defense system.
How do I get started with Sells Insurance?
The process is a simple 3-step system:
1. Submit an Online Request
2. Complete a 15-minute Risk Audit
3. Deploy your custom protection shield. We handle the paperwork so you can stay focused on your business.
Get In Touch
