Watch Insurance

Luxury watches are masterpieces—and theft targets. Get coverage built for high-value, limited-edition timepieces and entire collections.

Check your rate

Loss

You can trace it back— you left your watch in a public bathroom. You can point to the moment it went missing, and you’re covered.

Theft

Luxury watch theft is becoming more common. Scary, we know. Luxury watch insurance can protect you from financial loss in the event your watch is stolen, so you can replace your timepiece quickly.

Damage

Shattered crystals, broken bracelets, watch movement issues. Accidents and mechanical mishaps are an occasional part of life for watch collectors. We cover those setbacks, so you can wear your watches with confidence.

Disappearance

Your watch goes missing and you have no clue how or when it happened. That’s covered too.*

Natural disasters

Floods, hurricanes, tornados, and earthquakes. If a natural disaster damages your watch collection, we’re here to make you whole again.

Worldwide travel

Drive, fly, and sail with confidence. You’re covered globally while traveling.

Shipping

For watch repair shipments, coverage applies when you use USPS Registered Mail, USPS Priority Mail Express, FedEx, or UPS (and a receipt is required).

Inflation protection

High-end watch values fluctuate. If your appraisal is over two years old at renewal, we automatically adjust coverage limits every two years to help keep up with rising watch values.**

Not covered

Loss or damage of items due to war or military action, rodent and pest infestation, intentional actions or voluntary parting, deterioration, resizing, cleaning and inspections.

How much is Watch Insurance?

Luxury watch insurance rates begin at just 1-2% of the watch’s total value annually. Factors that can influence your premium include:

Watch value 

Higher-value pieces typically have higher premiums because they cost more to replace. We also insure each piece separately, so each piece has its own premium cost.

Deductible choice 

A higher deductible lowers the premium, while a lower deductible increases it.

Location rates

vary based on your location, factoring in crime rates, theft risk, and local insurance regulations.

Discounts 

You may qualify for discounts if you have an alarm system or store your watches in a safe or vault.

Learn more about cost

The importance of watch appraisals

Watch prices and values regularly fluctuate, often significantly. And a watch's appraised value sometimes exceeds its retail price (example: the watch you bought for $10,000 five years ago may be valued at $30,000 today due to its rarity or popularity in the market). That’s why getting your watch or collection appraised at least every two years is crucial to help maintain the right coverage in case of damage or loss.

Learn more about appraisals

Does Homeowners Insurance cover my watches?

Likely not to the extent you need it to. Homeowners policies typically don’t provide comprehensive coverage for watches—and many standard homeowners policies don’t even cover common risks for watches, including loss and damage. So if your watch flies off your wrist while you’re bungee jumping, a standard homeowners policy may not fully reimburse you for the loss. With a Jewelers Mutual policy, you can feel secure in knowing that if something happens to your timepiece, we have your back.

Get the full picture: Jewelry Insurance vs. Homeowners

Coverage*/Feature	Typical Homeowners/ Renters Insurance	Typical Riders
Loss
Theft
Damage	Not always covered	Not always covered
Disappearance
Natural disasters	Not always covered	Not always covered
Worldwide travel	Not always covered
Preventive maintenance	Not always covered	Not always covered
$0 Deductible option	Homeowners / Renters deductible applies	May have a deductible

Insurance vs warranties

Luxury or high-end watch insurance is not the same as a warranty. Your watch’s warranty protects you in the event that you discover a manufacturing flaw or defect (and usually only for a set period of time). A Jewelers Mutual watch insurance policy protects you against the mishaps that guarantees don’t cover: loss, theft, and accidental damage.

Learn more about warranties vs insurance

1

Estimate your rate

The sooner you get your watch insured, the more confident you’ll feel wearing it anywhere and everywhere. Get your personalized rate in minutes by telling us what type of watch you have and where you live.

2

Collect your documentation

Having your watch appraised every two years will make it easier in the event of a claim, when an appraisal is required.

3

Apply for coverage

Provide details about yourself, your watches, and any other wearers. For the most accurate rate, include all your watches and any additional jewelry you’d like to protect. All applications are subject to underwriting review, and additional information may be requested.

4

Pay your premium

Once approved, pay your premium for your first year of coverage. It’s that simple

5

Enjoy your watches

With your policy in place, wear your watches with confidence—wherever your path takes you. Set up your personal portal to make payments, set up auto-pay, or file claims.

6

Easily file a claim

If something happens to your watch, submit a claim and we’ll handle the repair or replacement with your preferred jeweler or watch seller. If applicable, you’ll pay your deductible directly to your jeweler or watch seller when you pick up your timepiece.

Invest in a high-quality safe or watch box

There’s no safer spot for a luxury timepiece than a safe or watch box shielded from sunlight, temperature, and humidity (to prevent damage to the watches inside).

Maintain a consistent care schedule

Clean your watches regularly with a soft, lint-free cloth. Refer to your manual or seek professional advice for a more comprehensive cleaning.

Give your watch a break

Rotate your watches to minimize wear and tear and extend their life, luster, and precision.

Don’t wear for high-impact activity

Avoid exposing your watch to unnecessary impacts or exposure to harmful or harsh elements.

Appraise watches every two years

The high-end watch market moves fast, with values constantly shifting due to factors like demand and rarity. Regular appraisals help keep your coverage in line with market trends, reducing the risk of your watch being insured for less than its current value.

Watches

How to remove watch links for the perfect fit

Adjusting your watch band by removing links can improve comfort and fit with the right tools and care.

Learn more

Watches

How to insure a watch

Discover the top seven ways watch enthusiasts store their valuable wrist wear and decide which way is right for you!

Learn more

Watches

Useful tips for how to clean a watch

Cleaning your watch properly helps maintain its appearance and function without damaging delicate parts.

Learn more

$15/mo

Watch Insurance

What does watch insurance cover?

Loss

Theft

Damage

Disappearance

Natural disasters

Worldwide travel

Shipping

Inflation protection

Not covered