Is watch insurance actually worth the cost?
For most owners of watches valued over $2,000–$3,000, dedicated watch insurance is worth the cost because standard homeowners or renters policies impose strict sublimits (often $1,000–$2,000 for jewelry), carry deductibles, and exclude accidental damage or mysterious disappearance. The first step is to determine your watch’s replacement value, check your existing coverage, and then compare the…
