How To Determine Proper Insurance Coverage

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As others have mentioned, Hodinkee (underwritten by Chubb) will insure at market value. You just need to take pictures of the watch and an appraisal is only needed for a watch over $100K. They will also adjust for market value up to 150% of the insured value in the event you lose your watch and you have a claim within the coverage period. I pay between 1.25-1.50% (depending on insured value of the reference) per year for insurance on all of my watches.