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timeseek · 20 July 2017, 05:33 AM

I was talking to a friend of mine, the comment was interesting. Why have watches and/or jewelry on your homeowner's policy? Why not have a separate policy, aside from the homeowner's, this way, if a claim has to be made, it does not place the house at risk, or policy at risk, for future surcharges or cancellations.

It was a good question, and got me thinking. Do policies like that exist, specifically for watches and jewelry, that protect against loss due to theft, fire, flood, or other ways?

MrInternational · 20 July 2017, 05:52 AM

Yes! Check out jewelers mutual.

Sent from my iPhone using Tapatalk

tyler1980 · 20 July 2017, 05:55 AM

yes they do and i keep mine separate from homeowners for this reason even if adding it to homeowners is cheaper, which it usually is.

airchitect · 20 July 2017, 05:58 AM

I have a separate policy purely for jewelry and watches

timeseek · 20 July 2017, 06:00 AM

Thanks for the replies everyone. Time to start looking into this.

cop414 · 20 July 2017, 06:13 AM

Yes, as posted above check out JM, we have watches and her wedding rings with them.

Tony64 · 20 July 2017, 06:22 AM

Related question:

Considering the added value of original box and papers, if these were ever lost or destroyed by fire, house pet, or deranged spouse, would JM pay a partial claim? (or would they consider that WIS lunacy?)

cop414 · 20 July 2017, 08:09 AM

Quote:

Originally Posted by Tony64

Related question:

Considering the added value of original box and papers, if these were ever lost or destroyed by fire, house pet, or deranged spouse, would JM pay a partial claim? (or would they consider that WIS lunacy?)

Good question, I'd say WIS lunacy though.

beshannon · 20 July 2017, 07:39 AM

Because it is easier and less expensive

20 July 2017, 05:33 AM	#1
timeseek "TRF" Member Join Date: Jul 2017 Location: None Posts: 66	Insurance Question I was talking to a friend of mine, the comment was interesting. Why have watches and/or jewelry on your homeowner's policy? Why not have a separate policy, aside from the homeowner's, this way, if a claim has to be made, it does not place the house at risk, or policy at risk, for future surcharges or cancellations. It was a good question, and got me thinking. Do policies like that exist, specifically for watches and jewelry, that protect against loss due to theft, fire, flood, or other ways?

20 July 2017, 06:13 AM	#6
cop414 TRF Moderator & 2024 SubLV41 Patron Join Date: Apr 2012 Real Name: Tim Location: Pennsylvania Watch: 14060M Posts: 72,244	Yes, as posted above check out JM, we have watches and her wedding rings with them. __________________ Rolex Submariner 14060M Omega Seamaster 2254.50 DOXA Professional 1200T Card carrying member of TRF's Global Association of Retro-Grouch-Curmudgeons TRF's "After Dark" Bar & NightClub Patron P Club Member #17 2 FA ENABLED

20 July 2017, 07:39 AM	#9
beshannon "TRF" Member Join Date: Jun 2009 Real Name: Brian Location: Northern Virginia Watch: One of Not Many Posts: 17,892	Because it is easier and less expensive __________________ IWC Portugieser 7 Day, Omega Seamaster SMP300m, Vacheron Constantin Traditionnelle Complete Calendar, Glashutte PanoInverse, Glashutte SeaQ Panorama Date, Omega Aqua Terra 150, Omega CK 859, Omega Speedmaster 3861 Moonwatch, Breitling Superocean Steelfish, JLC Atmos Transparent Clock

20 July 2017, 05:52 AM	#2
MrInternational "TRF" Member Join Date: Jul 2014 Real Name: Ken Location: USA Watch: DJ41 (126300-0007) Posts: 445	Yes! Check out jewelers mutual. Sent from my iPhone using Tapatalk

20 July 2017, 05:55 AM	#3
tyler1980 "TRF" Member Join Date: Apr 2015 Location: Houston Posts: 17,622	yes they do and i keep mine separate from homeowners for this reason even if adding it to homeowners is cheaper, which it usually is.

20 July 2017, 05:58 AM	#4
airchitect "TRF" Member Join Date: Mar 2012 Location: KY Watch: A few..... Posts: 3,796	I have a separate policy purely for jewelry and watches

20 July 2017, 06:00 AM	#5
timeseek "TRF" Member Join Date: Jul 2017 Location: None Posts: 66	Thanks for the replies everyone. Time to start looking into this.

20 July 2017, 06:22 AM	#7
Tony64 "TRF" Member Join Date: Apr 2013 Location: U.S.A. Posts: 2,796	Related question: Considering the added value of original box and papers, if these were ever lost or destroyed by fire, house pet, or deranged spouse, would JM pay a partial claim? (or would they consider that WIS lunacy?)

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