Brian,

check out Collectibles Insurance Agency at http://www.collectinsure.com (if this link doesn't work, try the one at the bottom.) They don't require an appraisal (except items over $5,000), they cover at current replacement value and automatically increase the collection at 1% per month for new purchases and inflation.

They cover:
burglary, theft and robbery
fire, flood and water damage
Natural catasrophes including hurricanes, earthquakes, tornadoes and wind damage

They pay 100%, with a minimum loss of $50.00.

I value my collection at an average between the midpoint of TCR and the Official US Guide.

I hope this helps.

Scott