State Farm! (I know that a lot of haters of them are out there) (Please Please Stop) They told me that my over 10k collection was covered under my personal property loss section and continue up to my loss limit of the policy. I did not talk about or ask till I hung up ... But I think if you are renting, you'll have to have renters insurance and I would think that the collection would be included in the policy. But, make sure to ask!