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Yes, this is something that I'm running into in terms of wear time, not so much an issue with insurance companies.
About a year ago, I finally got my 16710 appraised at current market value, so was able to increase coverage from 5k to about 9.5k. However, with the Hulk, it seems to be changing every couple months or so...
I currently have it insured at MSRP but don't really feel like getting it appraised, as I feel like the market is still volatile for that particular watch. It's actually making me feel more comfortable to wear the DD40 vs. the Hulk, because at least if the DD40 is stolen off me while I wear it (God fordbid), I can at least replace with no loss because it's insured at MSRP.
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