Insuring watches?

View Poll Results: Do you insure your timepieces?

Voters
46. This poll is closed
  • Yes

    10 21.74%
  • Yes, but only above a certain price range

    19 41.30%
  • No

    17 36.96%
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Thread: Insuring watches?

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  1. #1
    Member BlueLampPost's Avatar
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    Insuring watches?

    Just wanted to get a general feel here. Do you guys insure your watches? Do you have a threshold of price, above which you insure? If the latter applies, what is your threshold?
    They say the people with the most birthdays tend to live the longest.

  2. #2
    Member 6R15's Avatar
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    Re: Insuring watches?

    I insure my SS DaytonaC, SD4K, and Sub but not my Moonwatch or anything else, really. Basically, I only insure Rolex.
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  3. #3
    Member OfficerCamp's Avatar
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    Re: Insuring watches?

    I have a rider on the homeowners policy for the jewelry and watches. However, my collection changes so often it’s hard to keep track!
    41Mets likes this.

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  5. #4
    Member Ray916MN's Avatar
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    Re: Insuring watches?

    Rottweiler and 2000lb safe. It strikes me that spending more money on avoiding theft makes more sense than spending money to get compensated in the event of theft. Risk of theft is low where I live, so spending money on both doesn't make sense to me.

  6. #5
    Member timefleas's Avatar
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    Re: Insuring watches?

    Cocker Spaniel and homeowner's insurance. Another one of those polls that doesn't contain all the "right" or possible answers. The question assumes the perspective of insuring watches specifically, whereas many of us have insurance that cover our home and all of its contents--so, for example, my watches are insured as are my bicycles, computers, cameras, stereo, refrigerator, and ALL of my other possessions--even the Cocker.

  7. #6
    Member lo_scrivano's Avatar
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    Re: Insuring watches?

    Not currently. I plan to invest in a safe soon and am also considering a watch and jewelry policy.


  8. #7
    Moderator Emeritus Bradjhomes's Avatar
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    Re: Insuring watches?

    Mine are included in my home contents insurance. Single items over £5k (I think) need to be listed separately and attract a higher premium, but none of mine are over that limit so all covered.
    41Mets likes this.
    Brad (@bradwatch)
    - appreciating fine affordable watches since 2011



  9. #8
    Moderator Public Forum soaking.fused's Avatar
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    Re: Insuring watches?

    Quote Originally Posted by Bradjhomes View Post
    Mine are included in my home contents insurance. Single items over £5k (I think) need to be listed separately and attract a higher premium, but none of mine are over that limit so all covered.
    Similar to Brad, my homeowner's insurance has a general loss that caps off at a certain value ($2500 is mine). Any watch over that sum goes on a Floating policy for the insured value and is extra. I am able to somewhat control the additional policy cost by setting a larger or smaller deductible; And/or in my case, I have no deductible in the event of a loss or theft.

    One important thing to note is that some insurance companies may not cover you in the event of shipping the watch somewhere (i.e. for service, a sale, etc.).

  10. #9
    Member Humblebud's Avatar
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    Re: Insuring watches?

    My Pelagos along with a couple of others is on the house insurance and is covered out of the house for theft or sever damage

    Added about £3 a month to my house cover as a names item! Worth it for me as anything can happen out the home... smashing it up or dropping it, even covered if damaged while diving!
    41Mets likes this.

  11. #10
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    Re: Insuring watches?

    I have home contents insurance but that just about covers Wife jewellery. I opted for specific watch insurance for worldwide all claims for each specific watch. No fear of theft or robbery, or even dropping it.


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