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Ekornfeld21 · 18 October 2018, 03:43 AM

Hello all,

Just thought it'd be nice to get a concencus on if people insure their watches and if so what company/plan to they recommend? I would like to create a poll for this, not sure how though.

Thanks,
Eli

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R G · 18 October 2018, 03:49 AM

Yes, I do.

My watches are covered by my house insurance (UK company) under contents in/out of the house. Those that are of a particular value and above have to be named items specified within the policy.

Have been thinking about this of late actually. Insuring and making a successful claim is one thing, if the worst happened, but to actually source a replacement would be something I think which poses a bigger problem.

Brian Page · 18 October 2018, 03:49 AM

Jewelers Mutual

VICI · 18 October 2018, 03:50 AM

Either use Jewelers mutual or your home insurance. Price them both out and see which offers better coverage. Not always about cost.

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t65tampa · 18 October 2018, 03:52 AM

Yes. Use same insurance company that handles my home insurance with a specific policy extension for each item.

beshannon · 18 October 2018, 03:53 AM

Some on my homeowners some with Jewelers Mutual

Frank80 · 18 October 2018, 04:07 AM

I have a policy under USAA since I already use them for auto and renters insurance.

envuks · 18 October 2018, 04:11 AM

I have them on my homeowners policy at stated value which is Rolex MSRP. It was pretty easy to add them

Nairn1980 · 18 October 2018, 04:13 AM

UK home insurance

No valuations etc needed as long as under £10k each.

seabreeze60 · 18 October 2018, 04:15 AM

Separate jewelry policy with State Farm. Covers damage, theft and loss. No deductible. Cost is 1.25% of appraised value of my two Rolexes. Do not cover other brands because of lower value.

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Brew · 18 October 2018, 04:19 AM

Some of the pieces are just covered under my homeowner's policy. The larger valued watches are on separate, no deductible riders that provide coverage for any loss or damage, regardless of cause.

R!$ · 18 October 2018, 04:29 AM

Leave it to your butler

Mr Kram · 18 October 2018, 04:30 AM

home owner's insurance and separate rider.

joli160 · 18 October 2018, 06:16 AM

No, I have a good dog

locutus49 · 18 October 2018, 06:29 AM

Usaa

BrazenC5 · 18 October 2018, 06:55 AM

Quote:

Originally Posted by locutus49

Usaa

x2.

John, I calculated the ann. premium of ~1.67% of the assessed value. Wanted to compare notes, you finding about the same?

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sco · 18 October 2018, 07:15 AM

JM. Tons of threads on this.

MinMay · 18 October 2018, 07:33 AM

nope. it'll cost me $2,000 + every year. No thanks. Every 5 years, the savings can go toward a new stainless steel watch.

And if you do make a claim, they'll do everything to denied you and jacked up the premium afterward LOL.

18 October 2018, 03:43 AM	#1
Ekornfeld21 "TRF" Member Join Date: Oct 2018 Real Name: Eli Location: Naples,FL Posts: 57	Do you insure your watches and if so which do you use ? Hello all, Just thought it'd be nice to get a concencus on if people insure their watches and if so what company/plan to they recommend? I would like to create a poll for this, not sure how though. Thanks, Eli Sent from my iPhone using Tapatalk

18 October 2018, 03:49 AM	#2
R G Banned Join Date: Feb 2015 Location: Surrey Posts: 1,659	Do you insure your watches and if so which do you use ? Yes, I do. My watches are covered by my house insurance (UK company) under contents in/out of the house. Those that are of a particular value and above have to be named items specified within the policy. Have been thinking about this of late actually. Insuring and making a successful claim is one thing, if the worst happened, but to actually source a replacement would be something I think which poses a bigger problem.

18 October 2018, 03:52 AM	#5
t65tampa "TRF" Member Join Date: May 2008 Location: USA Posts: 2,031	Yes. Use same insurance company that handles my home insurance with a specific policy extension for each item. __________________ t65tampa

18 October 2018, 03:53 AM	#6
beshannon "TRF" Member Join Date: Jun 2009 Real Name: Brian Location: Northern Virginia Watch: One of Not Many Posts: 17,895	Some on my homeowners some with Jewelers Mutual __________________ Vacheron Constantin Traditionnelle Complete Calendar, Glashutte PanoInverse, Glashutte SeaQ Panorama Date, Omega Aqua Terra 150, Omega CK 859, Omega Speedmaster 3861 Moonwatch, Glashutte Senator Exellence, Rolex 116710 GMT Master II BLNR, Breitling Superocean Steelfish, JLC Atmos Transparent

18 October 2018, 04:11 AM	#8
envuks 2024 ROLEX DATEJUST41 X2 Pledge Member Join Date: Aug 2009 Location: New England Posts: 3,687	I have them on my homeowners policy at stated value which is Rolex MSRP. It was pretty easy to add them __________________ Current watches: 116718ln, 116500 black dial, 40mm Breitling Chronomat MOP dial “A man with one watch always knows what time it is. A man with two watches is never sure.”

18 October 2018, 03:49 AM	#3
Brian Page "TRF" Member Join Date: Feb 2014 Location: USA Posts: 6,527	Jewelers Mutual

18 October 2018, 03:50 AM	#4
VICI "TRF" Member Join Date: May 2012 Real Name: Alex Location: Gotham City Watch: IG: Mr_Right_NYC Posts: 5,672	Either use Jewelers mutual or your home insurance. Price them both out and see which offers better coverage. Not always about cost. Sent from my iPhone using Tapatalk

18 October 2018, 04:07 AM	#7
Frank80 "TRF" Member Join Date: May 2016 Location: St.PeteBeach, FL Watch: u talkin' bout Posts: 90	I have a policy under USAA since I already use them for auto and renters insurance.

18 October 2018, 04:13 AM	#9
Nairn1980 "TRF" Member Join Date: Jan 2010 Location: UK Watch: GMT Posts: 8,254	UK home insurance No valuations etc needed as long as under £10k each.

18 October 2018, 04:15 AM	#10
seabreeze60 "TRF" Member Join Date: May 2017 Real Name: Dan Location: USA Watch: Tudor, Carl F. Buc Posts: 1,580	Separate jewelry policy with State Farm. Covers damage, theft and loss. No deductible. Cost is 1.25% of appraised value of my two Rolexes. Do not cover other brands because of lower value. Sent from my iPhone using Tapatalk

18 October 2018, 04:19 AM	#11
Brew "TRF" Member Join Date: Mar 2018 Real Name: Larry Location: Finger Lakes Posts: 6,007	Some of the pieces are just covered under my homeowner's policy. The larger valued watches are on separate, no deductible riders that provide coverage for any loss or damage, regardless of cause.

18 October 2018, 04:29 AM	#12
R!$ Banned Join Date: Sep 2014 Location: SoCal Posts: 2,405	Leave it to your butler

18 October 2018, 04:30 AM	#13
Mr Kram "TRF" Member Join Date: Feb 2016 Real Name: Mark Location: Los Angeles Posts: 876	home owner's insurance and separate rider.

18 October 2018, 06:16 AM	#14
joli160 2024 ROLEX DATEJUST41 Pledge Member Join Date: Apr 2013 Location: NL Watch: Yachtmaster Posts: 14,352	No, I have a good dog __________________ Day Date 18238, Yachtmaster 16622, Deepsea 116660, Submariner 116619, SkyD 326935, DJ 178271, DJ 69158, Yachtmaster 169622, GMT 116713LN, GMT 126711.

18 October 2018, 06:29 AM	#15
locutus49 Banned Join Date: May 2014 Real Name: John Location: La Jolla, CA Watch: Platona Posts: 12,194	Usaa

18 October 2018, 07:15 AM	#17
sco "TRF" Member Join Date: Dec 2013 Location: Chicago Watch: Subc AT 8500 CSO Posts: 3,646	JM. Tons of threads on this.

18 October 2018, 07:33 AM	#18
MinMay Banned Join Date: Apr 2015 Location: United States Posts: 2,410	nope. it'll cost me $2,000 + every year. No thanks. Every 5 years, the savings can go toward a new stainless steel watch. And if you do make a claim, they'll do everything to denied you and jacked up the premium afterward LOL.

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