In the US a homeowner's policy does not cover coins or bullion.  You can get a rider added to your policy to specifically cover your collection however you need to provide documentation of the purchases (invoices) which is somewhat difficult with coins acquired here.  My insurance guy didn't accept "I paid 1.7 btc, the equivalent of 7000 usd today, to an Internet person named suckmyballz6969 for this 1 ounce of silver.  You can see here in my Private messages with him/her"