Insurance for Classic Arcade & Pinball Machine Collectors – Protecting Your Retro Gaming Investment

For collectors of classic arcade cabinets and pinball machines, these vintage gaming treasures are more than just entertainment—they're valuable assets. Whether you own a personal collection or operate a retro gaming business, it’s crucial to have proper insurance coverage to protect your investment. Here’s what you need to know about insuring your arcade collection.

1. Are Classic Arcade Machines Covered Under Homeowners Insurance?
Most home insurance policies provide coverage for personal property, but there are limitations on high-value collectibles—including vintage arcade machines. If your collection is worth thousands of dollars, a standard policy may not provide full replacement value in case of theft, fire, or water damage.
👉 Solution: Consider a scheduled personal property endorsement or a collectibles insurance policy to ensure full coverage.

2. What If My Arcade Machines Are in a Commercial Space?
If you operate a retro arcade business, your personal insurance won’t cover machines that generate income. You’ll need commercial property insurance that protects against:
✔ Fire, water damage, and electrical surges
✔ Theft and vandalism
✔ Mechanical breakdown coverage (if available)
👉 Solution: Business owners should explore equipment insurance or business interruption insurance in case a disaster halts operations.

3. Does Insurance Cover Power Surges or Mechanical Failures?
Arcade and pinball machines rely on complex wiring, making them vulnerable to power surges, electrical failures, and even operator mishaps. Some insurance providers exclude wear and tear but may offer:
✔ Electronics protection riders
✔ Mechanical breakdown coverage (if the damage isn't due to age)
👉 Solution: Use surge protectors and voltage regulators to minimize electrical risks. Consider an insurance rider that includes surge protection.

4. How Much Should I Insure My Arcade Machines For?
Classic machines can increase in value over time—especially rare pinball machines, limited-edition cabinets, or machines restored to their original condition.
✔ Get appraisals for high-value machines
✔ Store purchase receipts & restoration records
✔ Consider full replacement cost coverage rather than depreciated value

Conclusion:Whether you're a collector or an arcade business owner, protecting your investment is key. Don’t leave your collection at risk--VIP Insurance Professionals can help customize a policy that fits your needs. Contact us today for a free consultation!