In insuring a collection, ask yourself:

• What’s worth insuring?

• How does my insurer handle one-of-a-kind items?

• What does my homeowner’s policy cover? Should I turn to a specialized insurer?

• What can I insure? (Some companies cover whole collections to a certain dollar amount while others expect an inventory of each item.)

• How often should I revisit my policy? (Experts recommend three years.)

• How much does it cost to insure a collection? (There’s no one answer; it could be $5 per year for every $1,000 of insurance coverage or $75 a year for $10,000 blanket coverage.)