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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Jul 19, 2021

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Should I insure my watch?

If you have an expensive timepiece, you could be wondering, “Should I insure my watch?” According to the Insurance Information Institute, it’s a good idea to get insurance to protect a watch, artwork, antique, or any specialty item that’s valued at more than $1,000. That’s because most home insurance policies cover personal items like watches and other jewelry, but they typically won’t pay more than $1,000 or $2,000 on such a loss.

To adequately protect your watch or watch collection, from incidents like accidental damage, you’ll need to buy additional coverage. One option is an endorsement, which is also referred to as a “floater.” An endorsement specifically insures your watch, or other item, outlined in the insurance policy. You should have your watch professionally appraised to be certain you insure it for its proper value.

Umbrella insurance is another insurance product that can help protect your valuables. Umbrella insurance is extra liability insurance that kicks in once your home insurance liability limits have been reached. Should you be hit with a major lawsuit, umbrella insurance can help protect your financial assets, as well as valuables, like your watch.

Protecting Your Watch From Theft or Loss

When travelling, store your watch in the hotel room safe. At home, your watch collection should be kept in a quality safe that’s bolted to the floor. You should also consider getting a monitored home security system to help protect your watch collection. This can help minimize the chance your watch will be stolen and may reduce your homeowners insurance premium at the same time. Also, ensure your watch is protected from accidental damage. Consider checking into a jewelers mutual insurance group.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Insuring your watch and other expensive items gives you peace of mind. If you are worried that your valuables are not fully covered, give us a call today. We can help you compare a wide variety of policies to find one that meets your needs and your budget.

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