Lavalier Jewelry Insurance

[RWH]

Hi there just wanted to ask fellow members if they have had any experience with Lavalier insurance for their watches. I know jewelers mutual is popular amongst forum members but my appraiser tells me that she has had clients who has had issues with claims in the past and she suggested I go with Lavalier instead. (She is one of the best jewelry appraisers in the USA. Her clientele includes many celebrities and she has clients that will fly her out to do appraisals such as clients from the Middle East and Africa)