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Watch Insurance

Discussion in 'Fine Watches, Jewelry, & Clothes' started by OC Speed Junkie, Nov 26, 2009.

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  1. OC Speed Junkie

    OC Speed Junkie Formula 3

    Aug 6, 2005
    2,473
    Southern California
    Full Name:
    Joseph
    #1 OC Speed Junkie, Nov 26, 2009
    I thought there were a few threads on the topic, but I can't seem to find them.

    I'm starting to wear my watches out and about more and would like to get them insured. I don't have a homeowners policy, so a jewelry rider is out.

    Anyone have any experience or recommendations for a standalone policy?
     
  2. mchas

    mchas F1 Veteran
    Silver Subscribed

    Oct 5, 2004
    6,107
    Los Angeles
    Full Name:
    Mark
    #2 mchas, Nov 26, 2009
    I'd be curious about this as well.
     
  3. Lemke

    Lemke F1 Rookie

    Oct 27, 2004
    4,644
    Vancouver, WA
    Full Name:
    Daniel
    #3 Lemke, Nov 26, 2009
    Never thought of having insurance on watches. Makes sense though. I'll have to keep an eye on this thread.
     
  4. TravisJ

    TravisJ Formula Junior

    Feb 9, 2008
    628
    Austin, TX
    Full Name:
    Travis
    #4 TravisJ, Nov 27, 2009
    My wife and I have our watches/jewelry covered through a rider on our homeowners insurance. Awefully expensive. In fact, every time I look at it, I think of cancelling.
     
  5. dsd

    dsd F1 Rookie
    Owner Silver Subscribed

    Nov 19, 2006
    4,271
    Northern Virginia
    #5 dsd, Nov 27, 2009
    I have mine on my homeowners as a jewelry rider.

    Need receipts or appraisals to establish value.

    -dsd
     
  6. OC Speed Junkie

    OC Speed Junkie Formula 3

    Aug 6, 2005
    2,473
    Southern California
    Full Name:
    Joseph
    #6 OC Speed Junkie, Nov 27, 2009
    I have been doing some research and it appears the Chubb and Jewelers Mutual seem to be the big two for non rider policies. Jewelers Mutual appears to be the preferred insurer if you are looking for a replacement policy and Chubb if you are looking for a defined value policy.
     
  7. FerrariFabio81

    FerrariFabio81 Karting

    May 24, 2005
    237
    Maryland
    Full Name:
    Fabio Secaira
    #7 FerrariFabio81, Nov 30, 2009
    Since you don't have a homeowner's policy, you can purchase a renter's policy instead, and have the watches scheduled individually for their appraised value. It isn't cheap, but well worth the money.
     
  8. Motorcitydriver

    Motorcitydriver Karting

    Aug 9, 2006
    172
    Bloomfield, Michigan
    Full Name:
    Graham
    #8 Motorcitydriver, Dec 1, 2009
    I've used Jewelers Mutual Insurance for years, to cover all our high end jewelry and watches. We've used it once when my wife lost a diamond stud earring, no problems with the claim. Its a replacement type of insurance. To give you an example my Rolex Daytona tu-tone is 176.00 per year.

    See there website at jewelersmutual.com
     

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