Coverage Guide
Watch Insurance Guide
Brand rates and coverage options
Brand Rate Factors
| Brand | Popular Models | Rate Factor |
|---|---|---|
| Rolex | Submariner, Daytona, etc. | ×1.2 |
| Patek Philippe | Nautilus, Calatrava | ×1.5 |
| Omega | Speedmaster, Seamaster | ×1 |
| Audemars Piguet | Royal Oak | ×1.4 |
| Other Luxury | TAG Heuer, Breitling, etc. | ×1.1 |
Coverage Types
Full Replacement
New watch same model
Agreed Value
Fixed payout amount
Actual Cash Value
Depreciated value