There are backdoor exclusions, incomprehensible definitions written in complex legalese, and convoluted claims procedures to follow.
And then you must talk insurance lingo with an insurance agent who doesn't understand the sneaker game.
Meanwhile the carrier will hit you with paperwork to determine authenticity, value, agreed value and replacement value - all tactics seemingly to keep from having to cover your high value items.
Most of the time they will only cover up to a certain limit, which is far below what many sneakers are worth. Or they will cover up to what you paid based on your receipt, which is even less.
This is exhausting and makes us wonder,
"WTF... I thought that's why I came to you guys. Shouldn't you know most of this and help me get the coverage I really need!"