Insurance values on Batman and Hulk

[SwissmadeTexan]

As you guys know these 2 pieces are currently very difficult to obtain without paying a sharp premium. I own these 2 pieces and realize I’m currently very under insured if something were to happen. I wouldn’t be able to replace either at MSRP. I’m insured thru Jewelers Mutual and they want an updated appraisal. My understanding is a jeweler isn’t allowed to appraise for higher than MSRP? If this is correct then how am I supposed to get corrected insurance to protect the value of my watches?

Thanks guys for the replies!