Wow - they sure let you marry young up north!
If I were to get insurance through my homeowners insurance I was going to have to list EVERY coin and value that I had with them. Can you imagine having to update that list every week?
I am a member of
ANA and through them I was able to get insurance on my coins from Hugh Woods, Inc. I got $10,000 insurance for $50 per year. The only thing I have to register with them is if I have an individual item that is valued over $1000. All you have to do is maintain an inventory of your coins.
This is how I keep my inventory -
I scan my coins and upload them to a website. That way, if my house burns down, or my house is robbed and they take my computer, I've got the inventory. Its easy to update - before I put a coin in my collection, I scan it and upload it.
The other thing that is nice about that - if I am away from home and I see a coin I might want - I can get on-line and check and see if I already have the coin, or see its condition to know if I need to upgrade.
The other thing that is nice about this, is I don't have to go through and estimate the value of all of my coins, and update the values as the market changes.
If I were to ever have to make a claim, I would then go through and figure out how much everything was worth, but until that happens, I don't even have to worry about it. The only thing I do have to worry about is if I have more or less than $10,000.
I found this on the CNA website:
http://www.canadian-numismatic.org/insurance.php