How is the collection total calculated?

The tool multiplies each coin's per-coin value by its quantity to get a line value, then sums every line into a subtotal. If you enter a replacement-cost uplift, it multiplies the subtotal by one plus that percentage to produce the final declared value.

What value should I enter per coin?

Use a current numismatic price guide for the specific grade, or a melt-based value for bullion coins. Grade matters enormously: the same coin can be worth a few dollars in Good condition and hundreds in Mint State, so record the grade for every line.

Why include a replacement-cost uplift?

Some insurers schedule collectibles at replacement cost rather than raw market price, since finding an equivalent coin may cost more than the listed value plus dealer premiums. A modest uplift, often 10 to 25 percent, can reflect that, but check your policy's basis first.

Is this an official appraisal?

No. This is an inventory and valuation aid. For meaningful coins, insurers typically require a professional appraisal from a qualified numismatist and clear photographs. Use this tool to build the schedule and total, then attach the formal documentation.

Is my collection data sent anywhere?

No. Every entry stays in your browser and nothing is uploaded. The copy button just places a plain-text summary on your clipboard so you can paste it into a document, spreadsheet, or email to your insurer.

Coin Collection Insurance Value Estimator

Insuring a coin collection starts with a defensible inventory: every coin, its grade, and a value you can justify. This tool builds that schedule line by line, totals it, applies an optional replacement-cost uplift, and gives you a clean summary to attach to an insurance policy or appraisal.

How it works

The valuation is a simple, transparent sum that mirrors how an insurance schedule is built:

line value  = value per coin × quantity
subtotal    = Σ line values
total       = subtotal × (1 + uplift %)

Recording the grade on each line matters because numismatic value is driven by condition. A coin in Good condition and the same coin in MS-65 can differ by an order of magnitude, so the grade is part of the documentation, not just a label.

Tips and notes

Pull per-coin values from a current price guide for the exact grade, or use a melt-based figure for bullion-type coins, and revisit the schedule yearly as the market moves. The optional uplift covers replacement-cost basis and dealer premiums, which some policies use instead of raw market price — confirm your policy’s valuation basis before relying on it. For high-value pieces, pair this schedule with a professional appraisal and dated photographs; insurers usually require both to settle a claim. Nothing you enter leaves your browser.