Mixed‑Collection Insurance: One Policy for Diverse Treasures

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Mixed‑Collection Insurance: One Policy for Diverse Treasures

Insurance, Luxury Assets & Collectibles

Published on: Oct 31, 2025

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Why collectors need a unified policy – Many collectors hold varied assets—watches, sneakers, art, coins, wine and automobiles. Managing separate policies for each category is complex and may leave gaps.

“Collectors are multifaceted, and so should be their insurance. WAX’s mixed-collection coverage reflects your diverse passions, bundling them into one seamless, tech-driven experience.”
Angel Garcia, Customer Success Lead


Advantages of WAX’s mixed‑collection approach

  • Single schedule, multiple categories – WAX allows clients to insure diverse items under one policy with a consolidated limit, simplifying administration and ensuring consistent terms.

  • Automatic coverage for new acquisitions – Newly acquired items are automatically covered up to 25% of the policy limit.

  • Flexibility in payment plans – Clients can choose to pay the entire policy upfront or over 10 months. 

  • Unified valuation methods – WAX offers agreed‑value or current‑market‑value options across asset categories, responding up to 150% of scheduled value when markets rise.

  • World‑wide transit protection – Coverage follows the collection wherever it travels, whether to an auto show, art fair, grading service or storage facility.

  • Expert service – Dedicated account managers with cross‑disciplinary expertise help clients manage valuations and claims across different collectibles.


Real‑World Case Study

One WAX client owned watches, sneakers and contemporary art. When a storage facility fire damaged multiple categories, their unified policy simplified the claims process; a single adjuster managed everything and compensation reflected each item’s market value. Contrast this with a collector juggling separate policies who struggled to coordinate claims after a similar disaster, receiving inconsistent payouts.

Frequently Asked Questions

Q: Can I add a new category midterm?
A: Yes. You can add categories and adjust limits at any time.

Q: Do I need separate appraisals for each category?
A: Not always. Blanket policies may not require detailed schedules, but high‑value items should be appraised.

Q: Will a claim in one category affect coverage in another?
A: No. Claims are handled individually and won’t automatically impact other categories.


Ready to protect your collection?

Collectors can request a quote in minutes through WAX’s digital platform, and brokers can contact us to design cross‑category policies.

About Collector Intelligence

Collector Intelligence is the cultural extension of WAX Collect — built for collectors, by collectors. It reflects our belief that protecting what you love starts with understanding what it means to own it. More than content, it’s a trusted source of insight and discovery that proves WAX isn’t just an InsurTech company — we speak the language of modern collectors and share their values.

© 2025

All Rights Reserved

About Collector Intelligence

Collector Intelligence is the cultural extension of WAX Collect — built for collectors, by collectors. It reflects our belief that protecting what you love starts with understanding what it means to own it. More than content, it’s a trusted source of insight and discovery that proves WAX isn’t just an InsurTech company — we speak the language of modern collectors and share their values.

© 2025

All Rights Reserved

About Collector Intelligence

Collector Intelligence is the cultural extension of WAX Collect — built for collectors, by collectors. It reflects our belief that protecting what you love starts with understanding what it means to own it. More than content, it’s a trusted source of insight and discovery that proves WAX isn’t just an InsurTech company — we speak the language of modern collectors and share their values.

© 2025

All Rights Reserved