2026 Calculator
Watch Insurance Calculator
Estimate your luxury watch coverage costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
How much does watch insurance cost in 2026?
Watch insurance typically costs 1-3% of the watch's appraised value per year. A $15,000 Rolex costs $150-$450/year to insure. High-end pieces like Patek Philippe may have higher rates due to theft risk.
What does watch insurance cover?
Watch insurance covers theft, loss, accidental damage, and mysterious disappearance. Unlike homeowners policies (limited to $1,500 for jewelry), floaters provide full replacement value worldwide with no deductible.
Do I need a professional appraisal for watch insurance?
Yes, most insurers require a recent appraisal (within 2-3 years) for watches valued over $5,000. Some accept purchase receipts for newer watches. Specialist insurers like HODINKEE or Jewelers Mutual offer watch-specific coverage.