Agree that USAA is generally great. While I try to avoid reading insurance policies unless I can't sleep, I pulled up my USAA policy from 2013 to find the changes in policy that I probably would have missed but the words caught my eye (this is for all policies - I didn't try to go a cheaper route).

USAA policy:

TRADING CARDS AND COMIC BOOKS:
OLD POLICY:
Covered up to personal property amount.

RENEWED POLICY:
Limited to $2,500
Large collections should seek local coverage.

REPLACEMENT COST COVERAGE:
Replacement cost coverage does not apply to:
a. Items of rarity or antiquity that cannot be replaced;
b. Articles whose age or history contributes substantially to their value. These include, but are not limited to, memorabilia, souvenirs and collectors' items;

Although painful, it may be worth your time to read your policy if you are uncomfortable with self-insuring possible losses.

[I am not an insurance agent or in any way affiliated with insurance companies and generally feel like I get the short end of the stick on insurance matters; I am a collector with a job outside this field; each person should make his or her own choices.]