Back in my day, Pokémon was what you called a Jamaican proctologist.

Ha!

But in the 20+ years since Pokémon were introduced, people have sunk serious money into the things.

Did you see this one? $5,000 of Pokemon cards stolen out of car, Springfield police say.

The owner is a 25-year-old teacher who runs an after-school club where students play Pokémon. I’ll bet it’s taken the teacher a decade or more to build his collection. So it’s a serious investment of time and money.

And insurance — homeowner’s or renter’s — should take care of a theft of personal property, even if it’s not inside the home.

However, there are usually some limits on certain kinds of personal property. For example, guns and jewelry will often have a limit on how much a company will pay on a theft claim. Why? To limit insurance fraud from folks saying a ring is “stolen” and just pocketing the claim money.

Comic books and collectible cards (like Pokémon!) will also have a limit in a lot of policies.

So how do you make sure your Pokémon or baseball card collection is covered?

If you have a particular item or collection that you want to make sure is covered, talk to your insurance agent and ask.