Your Valuables Optimally Protected
Do you have valuable jewelry, An luxury watch, art or Musical instruments? A standard home contents insurance policy often does not provide sufficient coverage. The maximum reimbursement for jewelry is often only €6,000-€15,000, and you are usually not insured outside the home.
A Valuables insurance offers what your home contents insurance cannot: worldwide all-risk coverage, including loss and personal fault. Your wedding ring, Rolex, vintage guitar or painting collection – everything is insured on the appraisal value, without deductible.
At Finass Verzekert we compare 30+ insurers and find the best coverage for your specific valuables. From a single wedding ring to a complete art collection.
What Can You Insure?
Valuables insurance covers several categories of valuables:
jewellery
Rings, necklaces, earrings, bracelets
Watches
rolex, Omega, Patek Philippe, Breitling
Art & Antiques
Paintings, statues, antiques
Musical instruments
Guitars, violins, pianos, drums
Photo & Film
Cameras, lenses, drones, accessories
Collections
Coins, stamps, wine, memorabilia
Luxury Bags
Hermès, Louis Vuitton, Chanel
Medical Devices
Hearing aids, insulin pumps
Home contents insurance vs. Valuables insurance
❌ Standard Home Contents Insurance
- ✕ Jewelry max. €6,000-€15,000
- ✕ Covered indoors only
- ✕ Loss is often not covered
- ✕ Deductible per damage
- ✕ Current value for older items
- ✕ No world coverage
✓ Valuables insurance
- ✓ Higher limits (up to €200,000+)
- ✓ Insured worldwide
- ✓ All-risk: loss also covered
- ✓ No deductible
- ✓ Appraised value guaranteed
- ✓ Couples clause for sets
What are you insured against?
Theft & Burglary
At home, outdoors, on holiday
Loss
Lost ring, lost watch
Damage
Falls, bumps, accidents
Fire & Water
Fire, water damage, extinguishing damage
Robbery
Robbery, robbery
Worldwide
Traveling, on holiday, everywhere
Luxury Watches that We Insure
📋 Valuation: Why and How?
A valuation report officially records the value of your valuables. In the event of theft or loss, you are guaranteed to receive the appraised value.
- → Obliged for values above €2,500-€5,000
- → Validity usually 3-6 years
- → Revaluation upon increase in value or after expiration
- → Purchase note often sufficient for new items
- → Certified appraiser (TMV Federation)
💡 Tips for Valuables Owners
- ✓ Save purchase notes – these serve as evidence in the event of damage
- ✓ Take photos – capture your valuables with photos
- ✓ Use a safe – reduces risk and sometimes the premium
- ✓ Wear watches discreetly – prevent robbery on the street
- ✓ Report new purchases – often automatically included up to 25%
