Valuables insurance
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The Coverage Gap
Most homeowner’s and renter’s policies cap jewelry and watch coverage around $2,000–$5,000 combined and often exclude mysterious disappearance entirely. A standalone policy covers each piece at its full appraised value instead.
Example: a $15,000 watch
Based on typical homeowner’s/renter’s policy limits for jewelry and watches.
Illustrative collectible value trends vary by piece
Value Tracking
Many watches and fine jewelry appreciate well beyond their original purchase price. If your policy is still based on what you paid years ago, you may be underinsured today. We recommend an annual check-in or an easy in-app update so your coverage keeps pace with the market.
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