I'm in the process of setting up a personal article policy with my State Farm agent. Seems rather simple: just need a list of the items, a description, and serial #s. About $15 a month to cover my admittingly small collection - less than $10K replacement value. However,f if I'd had individual items over $2.5K, I'd have had to get them appraised.
For what it's worth, I used to have a similar policy to cover my pro photography gear. I Had everything stolen in a break-in (about $10K worth of stuff), and State farm sent me a check very quickly. And, they were happy to issue me policy for the replacement gear without any increase in rate.
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