I never expected to ask the insurance company
I deal with about getting insurance on
my cels, until recently. Since my
collection is over a few grand, I went
in and asked. I inquired at four places just
to check what was the standard insurance
policy regarding cels. 
Cels fall under the loss or damage of household 
items (furniture, appliances, etc)   Only thing 
is, I had to take photos of them and have 
reciepts of what I paid to have those on file 
with them in case something does happen.
 It took me ages to get any info from anyone 
since nobody knew what a cel is:)  It was strange 
having to stand there trying to explain what a 
cel was and why a peice of plastic and paint was 
worth so much^^

 It's a good idea I think though to find out
or to get insurance if you've put a good sum of
money into your collection, just to be safe.

Megan.