Can you insure a collection like Pokémon cards or Lego in Germany?

In short

Yes, you can insure a collection in Germany. Pokémon cards or Lego count as ordinary household contents (Hausrat) and are covered up to the sum insured, while coins and stamps are valuables (Wertsachen), often capped at 20 percent of the sum. Valuable collections like these need a higher sum or separate collection insurance at about 0.5 to 1 percent of the value a year.

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Can you insure a collection like Pokémon cards or Lego in Germany?

What it costs

Published premiums for contents, collection cover and safe deposit boxes.

Example	Typical range
Contents insurance for 75 square metres, mid tariff zone	about EUR 90 to 120 a year
Collection add-on or specialist policy, declared value EUR 10,000	about EUR 50 to 100 a year (0.5 to 1 percent)
Safe deposit box insurance for coins or cards, sum EUR 5,000	EUR 12.99 a year
Safe deposit box insurance, sum EUR 20,000	EUR 26.79 a year

As of October 2026, from published tariff and cost examples.

The figure for EUR 10,000 is calculated from the quoted percentage.

The extra premium for a higher contents sum is a guide value from our quoting practice and depends

on the tariff.

Worked example

Pokémon collector, 60 square metres, collection EUR 15,000

The contents sum was set by the rule of thumb and leaves out the collection. A fire destroys everything.

Sum insured (60 × EUR 650)	EUR 39,000
Actual value of contents plus collection	EUR 54,000
Maximum payment	EUR 39,000
Gap	EUR 15,000

With a sum EUR 15,000 higher the loss would have been fully covered. In many tariffs the extra premium is a few dozen euros a year.

Pokémon cards and Lego under contents insurance

A collection is part of your household contents. The usual list of valuables names cash, documents, jewellery, gold, stamps, coins, phone cards, medals, furs, rugs, art and antiques over 100 years old. Pokémon cards, Lego sets, comics and model cars are not on it.

So no separate valuables limit applies to such a collection. It is covered up to the sum insured against fire, water, storm and burglary. Some tariffs treat collections differently, so check your terms.

Coins and stamps: the valuables limit

Coin and stamp collections count as valuables. Many tariffs pay at most 20 percent of the sum insured for all valuables together. Outside a safe, coins and stamps often face an extra limit of about EUR 20,000.

A safe of at least 200 kilograms or a steel cabinet built into the wall raises these limits. With a sum insured of EUR 50,000 you get at most EUR 10,000 for all valuables, including jewellery and cash.

Type of collection	Treatment in contents insurance	Usual limit
Pokémon, Magic, football stickers	ordinary contents	sum insured
Lego sets, also sealed	ordinary contents	sum insured
Comics, records, model cars	ordinary contents	sum insured
Coins and medals	valuables	20 percent of the sum, outside a safe often up to EUR 20,000
Stamps and phone cards	valuables	20 percent of the sum, outside a safe often up to EUR 20,000
Paintings and antiques	valuables	20 percent of the sum

The sum insured is the real problem

Many people set the sum at a flat EUR 650 per square metre. For a 60 square metre flat that is EUR 39,000. A Pokémon collection worth EUR 15,000 on the market is not included.

With a waiver of underinsurance (Unterversicherungsverzicht) the insurer pays smaller losses in full, but never more than the sum insured. Without it, section 75 of the Insurance Contract Act (VVG) lets the insurer pay proportionally if the sum is considerably too low. Raise the sum by the value of your collection.

When separate collection insurance makes sense

Contents insurance does not pay if a graded card slab is dropped, the collection is damaged during a move or disappears at a fair. Collection or art insurance usually covers such cases, including transport.

You can agree a fixed value per item. Under section 76 VVG this agreed value (Taxe) counts as the value at the time of loss, so there is no dispute about market prices. This pays off when prices swing widely or the collection is worth far more than the rest of your contents.

When you need nothing extra

A Lego collection worth a few thousand euros in a well insured flat usually needs no separate policy. Check the contents sum and document the collection.

Trading cards that never leave home are also well covered by suitable contents insurance. A specialist policy only pays off when value, transport or price swings demand it.

How to prove the value of a collection

Insurers pay the replacement price. For trading cards and Lego that means what an equivalent item costs today. Record photos, receipts, set numbers, condition and grading.

Store the list and photos away from home, for example in the cloud. Update values at least once a year, because collector prices change quickly.

Step by step

Record the collection item by item with photo, condition and current market price.
Check whether it counts as valuables, for example coins or stamps.
Raise the contents sum by the value of the collection.
For high values or transport, ask for collection insurance with an agreed value.
Update values every year.

Checklist

Inventory with photos stored away from home
Contents sum includes the collection
Valuables limit for coins and stamps known
Safe if coins exceed the limit
Transport to fairs and tournaments sorted out
Values updated at least once a year

Common mistakes

Keeping the square metre sum although the collection is worth more
Having no photos or receipts and being unable to prove the value
Taking expensive cards to a trading meet and assuming contents cover applies there
Keeping a coin collection on an open shelf and overlooking the limit outside a safe

Questions and answers

Frequently asked

Can I insure a single Pokémon card?

Yes, with collection or valuables insurance and a list of values.

Under contents insurance it is covered anyway as part of your contents.

Do sealed Lego sets count as valuables?

Not under the usual list of valuables.

They are ordinary contents, so a sufficient sum insured is what matters.

Does contents insurance pay if cards are stolen from my backpack?

Simple theft away from home is usually not covered by contents insurance.

Robbery with violence usually is.

Is the purchase price or the market value paid?

The replacement price, meaning what an equivalent item costs today.

You have to prove it.

Is the loss in value of an incomplete set paid?

Usually not.

Insurers pay for the missing items, not the loss in value of the rest.

Ask about it if complete sets matter to you.

Who can help me choose?

Norman Nammert arranges cover as an insurance broker (Versicherungsmakler).

The insurer pays the commission, so advice is free for you.

Sources

NAMMERT insurance broker

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