Coin Insurance

You can Catalogue them and add them as an extension to your 'Contents' insurance.

This gets addressed often on here, honestly unless you are keeping million dollar coins in your house it is not worth it.

For every sale, trade or addition you would have to update your collection for the insurance company and the premiums and cost of getting them appraised are natrousious.

Also if the coins are on your misc. insurance you should keep them in a safe or out of sight. Every insurance broker I know will try to find a way to weasel out of paying you so make sure you do what your contract does to keep them insured.

Home owners insurance riders are expensive and as mentioned require appraisals and bookkeeping every time you buy or sell a coin. On the other hand if you are member of the ANA, Hugh Wood offers collection insurance that is much less expensive (50 cents to $1 per hundred dollars of value depending on where it is stored and whether you want the coins covered during shipping or traveling) and they only require itemized listing of pieces valued over $10,000.

It could, yes, depending on many factors. A typical house fire burns at 1,100-1,200 degrees F, well below the melt values of either silver or gold. However, the typical scenario is that a heavy safe crashes through the floorboards as they weaken from the fire. Where does it land? Possibly in the basement in a pile of embers where it cooks at temps much hotter than 1,200 F, even after the fire is put out. Even fire-rated safes can't withstand hours upon hours of constant baking. Of course you have to worry about smoke and water damage too, not just the heat. And if you have slabbed coins, the plastic will melt at a temperature much less than that of the metal, likely well below the temp of a typical house fire. I would think if fire was your primary concern, a safe deposit box for your most valuable items would be the way to go.

I was on the theft side of things a couple years back and I did not have a rider. The only thing my insurance company would do is count the stolen coins at face value, like it was a pile of cash stolen off the counter. I was not pleased at only being able to claim $10 for my two 25th ASE sets that disappeared. My insurance policy is now a large safe, bolted to the floor. My collection isn't valuable enough at this point to worry about special riders and safe deposit boxes.

This says it all.
As to a fire? Regardless of the temperature, remember all the plastic and cardboard used for your coins? Even a small fire would melt or burn most of that. Picture your coins covered with plastic and ashes from 2x2's. Any coins in those plastic rolls? Picture them in a melted plastic pile. It may well not be the fire that messes up your coins but the stuff you keep them in that makes them worth a lot less.