This may not help you, but I met with my insurance agent about my own collection and he told me to just do it under my home owners insurance. He said it is just a $money$ sum no matter what way you look at it. If the games are destroyed, you get "X" dollars. They will not replace any games. So, he said just take pictures of every game verifying what it is that you have, adjust your insurance pool accordingly, and if you get in a wreck while transporting a game your story should be that you are just adding/subtracting from your personal collection. DO NOT tell them you make any money off of games or it becomes a business transaction and is not covered by traditional homeowners insurance. Hope that helps buddy.