Scott, You may not be able to afford the premium on your wine collection! I want to visit again and try some.its easy to cover cars that you drive and have classic car insurance ... what about cars that you don't drive or aren't running. insurance is legalized gambling ... people often bet against something happening to a car in a locked garage, warehouse, barn or something else ... by not insuring them. @bfeng, you have a great example of valuing coupe car parts. how would you insure Lotus race car parts. i think about insuring my wine collection within the value of the house contents.