Your watch, insured at what it’s worth.
Coverage for a single watch or a collection at its appraised value, for theft, loss, accidental damage and mysterious disappearance, at home or while traveling.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Homeowners limits don't fit a watch collection
Homeowners and renters policies commonly cap watch and jewelry theft at a few thousand dollars, and street theft of luxury watches is a real risk in Los Angeles.
A watch policy or a scheduled item lists each watch at its appraised value. Many policies cover the watch worldwide and pay for repair, or replacement when it can't be repaired.
- TheftFrom your home, your car, or off your wrist.
- Accidental damageA cracked crystal, a dropped watch or water damage.
- LossLeft in a hotel room or fell off your wrist.
- WorldwideCovered while you travel, subject to policy terms.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Watches: brand, model and reference number.
- Values: recent appraisals or receipts.
- Box and papers: whether you have them.
- Photos: a clear picture of each watch.
- Storage: safe, vault or worn daily.
- Travel: how often the watches leave home.
Watch insurance, answered
Does homeowners insurance cover my Rolex?
Only up to the policy's special limit for jewelry and watch theft, usually a few thousand dollars. Scheduling the watch covers it at its appraised value.
Is a watch covered while I travel?
Many watch policies cover worldwide. I'll confirm the travel terms before you buy.
Watch values keep rising. What do I do?
Update the appraisal and the scheduled value every few years so a claim pays today's price.
Can I insure a whole collection?
Yes. Each watch is listed with its value, and some carriers offer blanket coverage for collections.
Do you offer watch insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state or high-value home insurance by state.
Send the list. I'll shop it.
Brand, model and an approximate value for each watch are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.