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Joey_V · 23 October 2009, 01:34 AM

Which insurance company do you guys use to cover your timepieces? Does Jewelers Mutual cover timepieces?

bodybump · 23 October 2009, 01:47 AM

yup!!!

Deep Sea · 23 October 2009, 01:48 AM

USAA for all of mine. Blanket policy for all pieces up to $2500, not to exceed $12,500 for any one claim; pieces (watches included) above $2500 value are listed separately with all their corresponding details.

HDHNTER · 23 October 2009, 01:50 AM

Jewelers Mutual
/Thread

train-time · 23 October 2009, 02:08 AM

Quote:

Originally Posted by bodybump

yup!!!

X2

Easy to work with, but get your appraisals in pdf format from the appraiser. It will make life much easier when adding new items to your policy.

kcmo · 23 October 2009, 02:21 AM

State Farm for me. They're great!

YuppieKid · 23 October 2009, 02:42 AM

GUN PIC REMOVED .

Gerardus · 23 October 2009, 02:49 AM

I have a dog

surillious · 23 October 2009, 03:11 AM

I have a 500 pound safe.

OPK · 23 October 2009, 03:48 AM

USAA - added as a valuable articles rider onto homeowners policy. VERY reasonable, no deductible, will repair if dropped, you name it. It was like $50-100 for a year. I'm sure other homeowners carriers offer something similar.

Oh yeah, for comparison purposes - it only covers one piece - my SS GMTIIc.

RolexCat · 23 October 2009, 03:50 AM

StateFarm for about 5 bucks a month. Also covered if my band breaks, or whatever its covered. Ron

touchdowntodd · 23 October 2009, 03:57 AM

jewelers mutual... about $70 a year for mine, even covers dissappearance.. and they are easy with claims

SUBlime · 23 October 2009, 04:13 AM

USAA, rider on my homeowner's policy.

dbphotos · 23 October 2009, 04:48 AM

This:

GUN PIC REMOVED.

and me!

BLM2 · 23 October 2009, 05:58 AM

My policy from StateFarm runs about 1% of the appraised value of the watches.

Lee

mck22 · 23 October 2009, 06:26 AM

JM for me

Troy · 23 October 2009, 08:35 AM

Humm might want to get rid of the gun photos not allowed

Welshwatchman · 23 October 2009, 08:43 AM

Quote:

Originally Posted by Troy

Humm might want to get rid of the gun photos not allowed

They're gone.

Gun pic currency converter - 6 points for each picture.

quito · 23 October 2009, 08:55 AM

Quote:

Originally Posted by surillious

I have a 500 pound safe.

and bolted to the floor.

JJ Irani · 23 October 2009, 08:58 AM

Why would I want to spend so much money on insurance in such a safe place like NZ......and then deprive myself of another Rolex by the end of each year!!??

Geezer1star · 23 October 2009, 09:22 AM

Quote:

Originally Posted by OPK

USAA - added as a valuable articles rider onto homeowners policy. VERY reasonable, no deductible, will repair if dropped, you name it. It was like $50-100 for a year. I'm sure other homeowners carriers offer something similar.

Oh yeah, for comparison purposes - it only covers one piece - my SS GMTIIc.

X2 USAA rider. About $50/year for my Sub TT.

eddieo396 · 26 November 2009, 08:42 AM

jewelers mutual ...easy to apply online

Speed · 26 November 2009, 08:51 AM

State Farm.

Had to pay to get the watches appraised by jeweler, but I think it's worth it. I know some folks can get ADs to do for free, but not me.

dukester · 26 November 2009, 08:55 AM

Farmers Insurance for me, covered under my HomeOwners policy.

TempoKing · 26 November 2009, 08:56 AM

Depending on your zip code...JEWELERS MUTUAL is a good one to insure with.
You got to have a separate appraisal for high ticket items

David Woo · 26 November 2009, 09:14 AM

The nice part of having the rider for jewelry is that the policy covers your property even in transit, as when a new piece is being shipped to you.
DW

Speed · 26 November 2009, 09:48 AM

Quote:

Originally Posted by davidwoo

The nice part of having the rider for jewelry is that the policy covers your property even in transit, as when a new piece is being shipped to you.
DW

+1

You can also call your agent and get covered if your appraisal is pending. Would to have a new watch stolen just after getting it resized!

mck22 · 26 November 2009, 09:58 AM

Jewelers Mutual is a great company to go with. They have a great refer a friend program to, I believe both parties save money.

snowbird · 26 November 2009, 04:38 PM

For those who mentioned State Farm - does State Farm have any special requirements for insuring watches (such as a safe)?

PorscheStan · 26 November 2009, 05:16 PM

The cost per $1000 of appraised value varies from Company to Company. In addition, in higher risk areas the rates can be considerable. What ever Company you insure with (if you choose to insure at all) make sure the coverage provides "all risk" coverage which will include "any direct physical loss including mysterious loss" for example you just don't know what happened to it. Or it fell overboard, or you knocked your arm into a metal object and damaged or distroyed your watch. It should cover all these types of occurances. Be careful, some company's exclude travel, hotels, baggage, etc. These company's are usually "Non-Admitted Carriers". Anyone who would like to consult on thier coverage please feel free to sent me a private message and I will be glad to assit, and evaluate what you are being offered. I have over 35 years experience in the field. On major point: Be sure not to obtain what I call a "feel good" appraisal. In other words, your retailer says: I will sell it to you for X, but I will give you a "good" appraisal for you insurance. Don't be fooled, the insurance company will only pay what the item can be replaced for, not the inflated appraised value, plus you will be overpaying on the premium.

23 October 2009, 01:34 AM	#1
Joey_V "TRF" Member Join Date: Jan 2008 Real Name: Joey Location: Dallas, TX Watch: SS Sub 16610 M Posts: 3,824	Which insurance for your Rollies (et al)? Which insurance company do you guys use to cover your timepieces? Does Jewelers Mutual cover timepieces? __________________ Current Rotation: Rolex Submariner Date (M) - 1/08, Rolex Milgauss GV (V) - 2/10, Rolex SS Black Daytona (V) - 6/10, Rolex GMTIIC (G) - 5/11, TAG Heuer Silverstone (286/1860) - 1/2015 Former-watches: Omega PO/2535.80/2254, TAG Carrera/F1x2/Monaco, Panerai 312K/292L Wish List: Panerai 270/505, Rolex SMURF, Rolex RG Daytona, Rolex DSSD

23 October 2009, 01:47 AM	#2
bodybump ⭐⭐⭐⭐⭐⭐ 2024 SubLV41 Sponsor & Boutique Seller Join Date: Sep 2008 Real Name: Oscar Location: Florida Watch: Me!!! Posts: 23,233	yup!!! __________________

23 October 2009, 01:48 AM	#3
Deep Sea "TRF" Member Join Date: Jan 2008 Real Name: Martin Location: NC Watch: A Rolex or two Posts: 952	USAA for all of mine. Blanket policy for all pieces up to $2500, not to exceed $12,500 for any one claim; pieces (watches included) above $2500 value are listed separately with all their corresponding details. __________________ Deep Sea A few Rolex & a Tudor Sub An Omega & a bunch of Breitling

23 October 2009, 02:42 AM	#7
YuppieKid "TRF" Member Join Date: Sep 2007 Real Name: Brandon Location: West Coast, US Posts: 1,079	This .... GUN PIC REMOVED . __________________ Brandon Last edited by Welshwatchman; 23 October 2009 at 08:42 AM.. Reason: Gun pic

23 October 2009, 02:49 AM	#8
Gerardus "TRF" Member Join Date: Apr 2009 Real Name: Gerardus Location: often in the air Watch: ♕ Posts: 12,142	I have a dog __________________ ♕126610 ♕126333 ♕116300

23 October 2009, 01:50 AM	#4
HDHNTER "TRF" Member Join Date: Feb 2007 Real Name: Allen Location: SC Posts: 2,766	Jewelers Mutual /Thread

23 October 2009, 02:21 AM	#6
kcmo "TRF" Member Join Date: Jan 2007 Real Name: Karis Location: USA Posts: 19,377	State Farm for me. They're great!

23 October 2009, 03:11 AM	#9
surillious "TRF" Member Join Date: Feb 2009 Real Name: Gabriel Location: Virginia Watch: 14060M / 16613 Posts: 141	I have a 500 pound safe. __________________ Four-wheel drive pickup I remember his last words: Hold my beer, watch this!

23 October 2009, 03:48 AM	#10
OPK Member Join Date: Sep 2009 Real Name: Chris Location: KS, USA Watch: SS GMT IIc Posts: 89	USAA - added as a valuable articles rider onto homeowners policy. VERY reasonable, no deductible, will repair if dropped, you name it. It was like $50-100 for a year. I'm sure other homeowners carriers offer something similar. Oh yeah, for comparison purposes - it only covers one piece - my SS GMTIIc. Last edited by OPK; 23 October 2009 at 03:50 AM.. Reason: forgot key info

23 October 2009, 03:50 AM	#11
RolexCat Member Join Date: Jan 2009 Real Name: Ron Location: Michigan Watch: SD Posts: 318	StateFarm for about 5 bucks a month. Also covered if my band breaks, or whatever its covered. Ron

23 October 2009, 03:57 AM	#12
touchdowntodd "TRF" Member Join Date: Jan 2009 Real Name: Todd (Richard) Location: Milwaukee, WI Watch: Deep Sea Sea Dwell Posts: 535	jewelers mutual... about $70 a year for mine, even covers dissappearance.. and they are easy with claims __________________ 2013 DSSD! (ME) M Series OP No Date,White Arabic,Smooth Bezel(WIFE) Yachtmaster 1 SS/PLAT (wife)

23 October 2009, 04:13 AM	#13
SUBlime Member Join Date: Mar 2009 Location: Falls Church, Va. Watch: 16610 Posts: 42	USAA, rider on my homeowner's policy.

23 October 2009, 04:48 AM	#14
dbphotos "TRF" Member Join Date: Aug 2009 Real Name: David Location: Texas Watch: your 6! Posts: 898	This: GUN PIC REMOVED. and me! __________________ www.DavidBailey.com Rolex DD YG 18238 \| Rolex 1675 Pepsi \| Rolex 14060 \| Rolex Vintage 6694 \| Rolex TT 16013 \| Tudor Tiger 79280P on Shark strap \| a whole bunch of misc watches

23 October 2009, 05:58 AM	#15
BLM2 "TRF" Member Join Date: Mar 2008 Location: USA Posts: 361	My policy from StateFarm runs about 1% of the appraised value of the watches. Lee

23 October 2009, 06:26 AM	#16
mck22 "TRF" Member Join Date: Dec 2008 Real Name: Brent Location: St Louis Watch: Rolex Sub Date Posts: 1,516	JM for me __________________ 16610 Submariner GMT Master II 16710 1675

23 October 2009, 08:35 AM	#17
Troy Banned Join Date: Oct 2007 Real Name: Troy Location: Calgary, Alberta Watch: Tudor Sub. 7928 Posts: 1,275	Humm might want to get rid of the gun photos not allowed

23 October 2009, 08:58 AM	#20
JJ Irani Fondly Remembered Join Date: May 2005 Real Name: JJ Location: Auckland, NZ Watch: ALL SOLD!! Posts: 74,319	Why would I want to spend so much money on insurance in such a safe place like NZ......and then deprive myself of another Rolex by the end of each year!!?? __________________ Words fail me in expressing my utmost thanks to ALL of you for this wonderful support during my hour of need!! I firmly believe that my time on planet earth is NOT yet up!! I shall fight this to the very end.......and WIN!!

26 November 2009, 08:42 AM	#22
eddieo396 "TRF" Member Join Date: Nov 2009 Location: nj Posts: 42	jewelers mutual ...easy to apply online

26 November 2009, 08:51 AM	#23
Speed "TRF" Member Join Date: Aug 2009 Location: USA Posts: 19,706	State Farm. Had to pay to get the watches appraised by jeweler, but I think it's worth it. I know some folks can get ADs to do for free, but not me.

26 November 2009, 08:55 AM	#24
dukester "TRF" Member Join Date: Oct 2008 Real Name: Nick Location: Los Angeles Watch: 2 SS Daytonas(W&B) Posts: 542	Farmers Insurance for me, covered under my HomeOwners policy.

26 November 2009, 08:56 AM	#25
TempoKing Banned Join Date: Jan 2008 Real Name: Anastasios Location: Athens Greece Watch: Rolex GMT 1675 Posts: 8,497	Depending on your zip code...JEWELERS MUTUAL is a good one to insure with. You got to have a separate appraisal for high ticket items

26 November 2009, 09:14 AM	#26
David Woo Member Join Date: Feb 2007 Location: southern Calif Posts: 632	The nice part of having the rider for jewelry is that the policy covers your property even in transit, as when a new piece is being shipped to you. DW

26 November 2009, 09:58 AM	#28
mck22 "TRF" Member Join Date: Dec 2008 Real Name: Brent Location: St Louis Watch: Rolex Sub Date Posts: 1,516	Jewelers Mutual is a great company to go with. They have a great refer a friend program to, I believe both parties save money. __________________ 16610 Submariner GMT Master II 16710 1675

26 November 2009, 04:38 PM	#29
snowbird "TRF" Member Join Date: Sep 2009 Location: USA Watch: Sea-Dweller 16600 Posts: 2,157	For those who mentioned State Farm - does State Farm have any special requirements for insuring watches (such as a safe)?

26 November 2009, 05:16 PM	#30
PorscheStan "TRF" Member Join Date: Nov 2009 Real Name: Stan Location: So California Watch: SS Daytona Black Posts: 147	The cost per $1000 of appraised value varies from Company to Company. In addition, in higher risk areas the rates can be considerable. What ever Company you insure with (if you choose to insure at all) make sure the coverage provides "all risk" coverage which will include "any direct physical loss including mysterious loss" for example you just don't know what happened to it. Or it fell overboard, or you knocked your arm into a metal object and damaged or distroyed your watch. It should cover all these types of occurances. Be careful, some company's exclude travel, hotels, baggage, etc. These company's are usually "Non-Admitted Carriers". Anyone who would like to consult on thier coverage please feel free to sent me a private message and I will be glad to assit, and evaluate what you are being offered. I have over 35 years experience in the field. On major point: Be sure not to obtain what I call a "feel good" appraisal. In other words, your retailer says: I will sell it to you for X, but I will give you a "good" appraisal for you insurance. Don't be fooled, the insurance company will only pay what the item can be replaced for, not the inflated appraised value, plus you will be overpaying on the premium.

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