Some reading matter for you on stamp insurance -
In my long 45 year dealer experience, collectors when it comes to stamp insurance are -
Take the very cheapest option, and it generally all comes to tears after a burglary or fire etc.
ALL insurers will cheerfully take your premiums for decades. How they respond when you have a CLAIM is the lesson.
Them - "Where is your detailed valuation letter from a recognised stamp professional?"
You - "Huh?"
Them - "Sorry claim rejected."
Seen and heard it endless times.
You - "But each year for 30 years, I paid you a premium that was supposed to cover all this stuff."
Them - "Sorry claim rejected - no detailed PROOF exists of the alleged stamp collection contents."
If anyone SERIOUSLY thinks you can also tell your household insurer you also had 10 gold Sovereigns, and a Rolex submariner watch, and a 1-carat flawless diamond, and expect them to pay out $50,000 under house and contents, after the alleged ''Burglary'', you are living in Cloud Cuckoo Land.