Luxury Watch Insurance Cost Estimator (2025 Edition)
Estimate your expected annual premium for insuring luxury watches based on brand, value, risk factors, and location.
Watch Details
Ownership & Risk Factors
Location & Security
For burglary crime scoring
Luxury watch insurance typically works through scheduled personal property policies or standalone watch insurance. Key concepts include:
- Scheduled vs unscheduled coverage: Scheduled items are specifically listed with values, while unscheduled items have lower limits.
- Mysterious disappearance: Many policies cover theft but may exclude mysterious disappearance unless specifically included.
- International loss rules: Coverage may vary when traveling internationally, check your policy.
- Repair vs replacement coverage: Some policies cover repair costs, others provide replacement value.
- Original papers/box impact: Having original documentation can help with claims and may affect coverage terms.
Market value of the watch
Higher value watches typically cost more to insure.
Brand theft targeting score
Rolex, AP, and Richard Mille are prime targets for thieves.
Where you wear/store it
Bank vaults are safest, daily wear increases risk.
Location crime index
Urban areas with higher crime rates increase premiums.
Travel habits
International travel increases exposure to loss and theft.
Prior claims history
Previous claims can increase premiums by 10–30%.
| Brand | Avg Annual Cost per $10k Value |
|---|---|
| Rolex | $130–$190 |
| Patek Philippe | $150–$230 |
| Audemars Piguet | $160–$250 |
| Richard Mille | $350–$600 |
| Omega | $90–$140 |
| Cartier | $95–$150 |
| Breitling | $100–$160 |
| Tudor / Grand Seiko | $80–$130 |
Theft (most common)
Snatch-and-grab robberies for Rolex/AP are increasingly common in urban areas.
Loss while travelling
Airports, hotels, and vacation destinations are high-risk locations.
Damage to bezel/crystal
Accidental damage during daily wear or activities.
Water damage
Even water-resistant watches can fail under certain conditions.
Mysterious disappearance
Items lost without clear evidence of theft, may not be covered by standard policies.
- Keep watches in a UL-rated safe
- Avoid daily wear of high-value models
- Don't travel internationally with ultra-luxury pieces
- Install home cameras
- Add alarm monitoring
- Bundle with home contents insurance
Q1: How much does luxury watch insurance cost?
Usually 1–2% of the watch value per year. For a $25,000 Rolex, expect $250–$500 annually.
Q2: Does homeowner insurance cover a Rolex or AP?
Often not, limits are low (typically $1,500–$2,500 per item), and mysterious disappearance may not be covered.
Q3: Is a watch winder considered safe storage?
Partially, safer than a drawer but riskier than a safe. It's better than daily wear but not as secure as bank vault storage.
Q4: Does brand affect theft rates?
Yes, Rolex, AP, and RM are prime targets. Thieves specifically target these brands due to high resale value.
Q5: Do insurers require an appraisal?
Most do for items over $5,000–$10,000. Recent appraisals help ensure accurate coverage and smoother claims.