I am sure most of you probably already know this but I thought I'd bring it up just in case any of you are new to watch collecting like me and didn't realize your current insurance wouldn't cover your watches in a worst case scenario.
If you are buying one or more expensive watches chances are you need a Personal Articles Policy, sometimes called a Jewelry Policy or Personal Property Policy.
Without that additional coverage, if something were to happen to your watches, you may have to meet your homeowner's deductible and even then it might only cover loss up to say $1,500 on a single item.
Depending on the terms and amounts of the coverage, the annual premium should cost around .5% of the value of your watches with full replacement coverage and no deductible. This policy should have you covered for theft/damage in the home as well as theft/damage outside of your home.
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