Personal
Take control of your coverage. Customize your policy, match your risk tolerance, and stop overpaying for protection you don't need.
Theft & loss
Accidental damage
Worldwide travel
Fire
Flood
Pets
Two WAX products
WAX Flex™ for modular control and value. WAX Classic™ for maximum coverage, standard. Wesley or a WAX advisor can match the right fit to your collection size and needs.
Modular coverage. Live quoting. Built for control.
Maximum coverage, standard. One profile, every protection on.
Introducing
The first collectibles insurance built around how you collect, not how insurers prefer to sell.
For years, specialty insurance for collectors has worked one way: a fixed bundle of coverages, a fixed payout structure, and a fixed price. Take it or leave it.
WAX Flex™ changes that.
For the first time in the industry, you can build a modular policy that reflects your collection, your habits, and your risk tolerance, and see your quote adjust in real time as you build it. No calls. No waiting. No surprises.
Optional Add-Ons
Two additional coverages are available to add to your policy. Each one is optional, because not every collector needs every protection. If a specific risk isn't a concern for how you collect, you shouldn't have to pay for it.
Extends coverage to items lost or damaged through airline baggage handling. If you never travel with valuables in checked luggage, this coverage may not be relevant to your collection.
Covers items lost or damaged in an unattended vehicle. If leaving pieces in an unattended car isn't something that applies to how you collect, this is an easy line to leave off your quote.
How It Works
Three levers. One policy. Instant pricing, every time.
With WAX Flex™ you're not choosing from a menu someone else designed. You're building a modular policy designed around your collection, and your quote reflects exactly that, in real time. Three levers. All yours.
Lever 1. Optional Add-Ons
Toggle either of the two optional coverages while you build your quote. Your price updates the moment you do. Your selections lock in when your policy starts and stay for the full term.
Optional coverage choices require a schedule of 3 or more items.
Want Mysterious Disappearance? It's included as standard on WAX Classic™.
Lever 2. Claims Payout Range
Most collectibles insurers lock claims payout at 150% of the agreed value based on market value, subject to the class limit, a premium feature, built into every policy, whether it fits your needs or not. With WAX Flex™, that's your call to make.
Choose the claims payout range that matches how you think about your collection:
| Your Choice | What It Means |
|---|---|
| 100% | Covered at the agreed value. Straightforward, no frills |
| 125% | Covered up to 125% of agreed value if market price has risen. Subject to the class limit. |
| 150% | Full market appreciation protection. Covered up to 150% of agreed value. Subject to the class limit. |
For collectors whose priority is protecting against theft or damage rather than market fluctuation, adjusting this lever is an easy way to reduce your premium without touching the coverage that matters most. In the WAX app you can compare each option in seconds before you buy.
Lever 3. Multi-Category Discount
When you insure across multiple categories, WAX Flex™ reflects that in your quoted premium.
| Categories Covered | Premium Impact |
|---|---|
| 1 Category | Base rate |
| 2 Categories | Multi-category factor reflected in your total premium |
| 3 Categories | Larger multi-category factor reflected in your total premium |
Capped at three categories, the multi-category factor is reflected in how your WAX Flex™ premium is rated. When you add a second or third category, your premium is re-rated to account for it. It's WAX's way of recognizing that serious collectors deserve a better rate.
Every other insurer built a policy and handed it to you. WAX lets you build your own.
Every lever moves your quote in real time. Every choice is visible before you buy, and locked in once you do. You're in control, exactly where you should be.
The Flagship
Maximum coverage, standard. One profile, every protection on.
WAX Classic™ is the policy WAX was built on, an admitted product designed for collectors who want every protection on by default, with nothing to toggle and nothing to second-guess.
It's the right answer when your priority is the broadest possible coverage in a single, no-decisions package.
Standard on every WAX Classic™ policy
Best for: collectors who want every protection on from day one, no decisions, no toggles, no second-guessing.
Start QuoteWhy WAX
In the event of a total loss, you receive the full covered value of your item. Not a depreciated estimate. Not a negotiation. The number you agreed to, paid in full.
When something happens to a piece you love, the last thing you should be thinking about is a deductible. With WAX, there isn't one, in the majority of U.S. states. Catastrophe-exposed regions (e.g., California wildfire zones) may carry a deductible per carrier underwriting guidelines.
At home, traveling abroad, or anywhere in between, your collection is covered wherever it goes.
If you already have items scheduled in a category, newly acquired articles in that same category are automatically covered, up to 25% of your total itemized coverage in that category. You have 90 days from acquisition to request coverage and pay the additional premium back to that date.
Submit directly through the WAX app. Our team handles the rest.
WAX partners with AM Best A+ (Superior) rated carriers with decades of combined experience insuring valuables for collectors and families with more to protect. They have a long history of finding ways to say yes.
Side-by-Side
See what you've been paying for, and what you've been missing.
| FEATURES | Traditional Collectibles Insurance1 | WAX |
|---|---|---|
| Agreed Value | ||
| $0 Deductible | Varies | ² |
| Worldwide Coverage | Limited | |
| Accidental Damage | ||
| Mysterious Disappearance | Bundled in, you pay whether you want it or not | Not available on WAX Flex™ · Standard on WAX Classic™ |
| Checked Baggage Coverage | Bundled in, you pay whether you want it or not | Your Choice³ |
| Unattended Auto Coverage | Bundled in, you pay whether you want it or not | Your Choice³ |
| Claims Payout Range | Locked at 150%, included whether you want it or not | Your Choice: 100%, 125%, or 150% |
| Newly Acquired Coverage | Varies / Requires notice | Auto, 25% of category limit, 90-day window |
| Live Quote Builder | ||
| Build Your Own Coverage | WAX Flex™ |
¹ Based on standard specialty collectibles insurance market offerings.
² $0 deductible applies in the majority of U.S. states. California and other catastrophe-exposed locations (e.g., wildfire zones) may carry a deductible per carrier underwriting guidelines. Final terms are confirmed at quote.
³ A minimum of three items is required to choose these optional coverages: checked baggage coverage and unattended auto coverage. Mysterious Disappearance is included as standard on WAX Classic™.
Testimonials
Let's find out together.
Find out if insurance makes sense for your collection in under 3 minutes.
Upload your current policy and see how WAX compares, side-by-side.
What WAX Insures
Premiums shown are illustrative "as low as" examples reflecting rates achievable by tailoring coverage with WAX Flex™, and assume a schedule of three or more items. Your final rate will vary based on item value, location, the WAX Flex™ options you select, and underwriting. Rates reflect options selected at quote and are locked for the policy term.
Claims
We've made it as simple as possible, because when something goes wrong, simple matters.
Open the WAX app and describe what happened. Submit your claim directly, no phone trees, no forms by mail.
A member of the WAX team will connect with you to verify the details.
Provide any necessary documentation to our carrier team to support the investigation.
Once finalized, you'll receive a cash settlement for the agreed value of your item.In the amount you chose. Not a penny less.
File your claim directly in the WAX app.
