Best Watch Insurance of 2025 – Are you planning to buy a luxury watch? Do you know that it can be a good financial investment? All you just need to do is to have the right type of insurance for your timepiece. Standard home insurance policies offer incomplete coverage for luxurious watches, so getting a focused watch insurance policy can be valuable.
A lot of watch insurance policies offer comprehensive coverage for a lot of risks, such as disappearance, damage, and theft. However, there are different watch insurance companies. In this article, we review some of the best insurance providers of 2025 to assist you in finding the best watch insurance for your personal needs.
What Is Watch Insurance?
Watch insurance is a type of personal property insurance that covers watches. A stand-alone watch insurance policy can offer better coverage and a more tailored guard. Watch insurance is mostly suggested for luxury watches with a high value.
What Does Watch Insurance Cover?
This all depends on how you elect to purchase the insurance, and there are only three (3) ways you can purchase watch insurance. They are as follows:
Coverage Through Home Insurance
Home insurance covers watches that are under the personal property unit of the policy. But it has a special limit for theft of watches, like $1,500. You can go through your policies to check for the section that highlights the theft coverage limit for watches and jewelry. Your home insurance policy might not be capable of total coverage of all your belongings if you own an expensive watch.
Add a Floater to Home Insurance
A floater is also known as an endorsement. It is a way you can protect a watch outside the limits of your home insurance policy. It is possible you can plan your personal property, including watches, which lets you protect them for their full value in case there is theft. If you want to plan your watches this way, then you can contact your home insurance agent.
Buy Stand-Alone Insurance for Watches
With a detached, stand-alone policy you can protect your watches for their full value. These insurance policies likewise offer coverage for “secretive loss.” You can make an insurance claim if you don’t know how or when the watch went missing. It is not possible for you to get this coverage from home insurance. If you claim a stand-alone watch insurance policy, it will not affect your home insurance rates.
The Best Watch Insurance of 2025
WAX Insurance
WAX Insurance is one of the best watch insurances of 2025. It is one of or even the cheapest coverages of any provider and is especially the best for people with high-value pieces and large collections. You can have unlimited coverage. Addingextra new watches to your collection is a breeze with the WAX app. All you just need to do is snap a picture, type in some details, get an instant quote, and buy your additional coverage. You can even take out a loan against your collection in some states.
BriteCo
BriteCo watches insurance policies are sponsored by Glencar Insurance Company, which has not gotten any complaints from the NAIC over the last two years, signifying excellent customer satisfaction. It is also one of the best watch insurances of 2025.
Jewelers Mutual Insurance Group
jewelry insurance company is likewise one of the best watch insurance of 2025 because of the extensive array of benefits it offers its policyholders. The company doesn’t need your information for a quote; all you just need to do is to fill out three fields to get an instant quote online. You can apply online as well without an appraisal and start a claim online.
GemShield
GemShield is another best watch insurance of 2025. All you need to do is fill out three fields, and no personal information is needed. However, you will need an assessment for watches worth at least $5,000 and more; a receipt will serve for lower-value pieces. And you will get fast electronic support so your coverage can start right away. However, note that GemShield generally limits single items to about $35,000.
Final Thought
If you are in search of the best watch insurance of 2025, especially if you have a luxurious watch or large collection, and you are not considering handing over your information from the start, consider WAX. Or are you looking for the best customer service experience? Then BriteCo is a good option with zero complaints and affordable coverage.
