Exclusive Valuables Insurance: How to Choose the Best Coverage for Unique Items?

Luxury watches, diamond jewelry, exclusive works of art and rare collections are not only valuable possessions, but often also investments that increase in value. What happens if your Rolex is stolen, you diamond ring gets damaged, or a painting is lost due to water damage?

Standard home contents insurance often offers insufficient protection for luxury valuables. That's why one exclusive valuables insurance essential to optimally protect your valuable items against theft, damage and loss .

In this blog you will discover why special valuables insurance is necessary, how to choose the best coverage and what to pay attention to when insuring unique items .

1. Why Exclusive Valuables Insurance?

Many people think that their luxurious possessions are sufficiently covered by their standard Contents insurance, but this is often not the case.

The Major Limitations of Home Contents Insurance

🔸 Maximum Coverage per Item
Many home contents insurance policies use a limit per item, often between €2,500 and €5,000. This is insufficient for one Rolex, a diamond ring or a painting by a famous artist .

🔸 No Coverage Outside Home
In the event of theft or damage outside your home, your item is often not insured or only to a limited extent insured .

🔸 No Loss Coverage
Have you lost a piece of jewelry or watch? A standard home contents insurance policy does not pay out in case of loss.

🔸 Value Not Always Adjusted
Some luxury possessions, such as watches and works of art, increase in value. A standard home contents insurance usually only reimburses original purchase value and not the current market value.

💎 Do you want complete protection? Then one exclusive valuables insurance the best solution.

2. What does Exclusive Valuables Insurance cover?

E and exclusive valuables insurance offers a lot more extensive coverage than a standard home contents insurance policy.

✅ Theft – Full coverage, also outdoors and when travelling.
✅ Injury – Protection against scratches, falls and other accidents.
✅ Loss – Insured if you lose an item.
✅ worldwide coverage – Your assets are protected anywhere in the world.
✅ Current Market Value – Insurance based on appraised value, not just the purchase value.

Do you have several luxury items? Then you can do them insure together under one valuables insurance .

3. Which Luxury Items Can You Insure?

This insurance is suitable for the following valuables:

💎 Sierad and & Diamant and – Exclusive rings, necklaces and heirlooms.
⌚ Luxury Watches – Rolex, Patek Philippe, Audemars Piguet, Cartier, Omega and more.
🖼️ Kunst & Antiek – Paintings, sculptures and rare collectibles.
🎻 Musical instruments – Exclusive violins, pianos and other valuable instruments.
🏆 Rare Collections – Think of coins, stamps, classic cars and vintage wine collections.

Wondering whether your belongings can be insured? Request advice without obligation Finass Insures .

4. How Do You Choose the Best Coverage for Your Unique Items?

Not every insurance policy offers the same coverage. Please take the following points into account:

✔ 1. Appraisal and Valuation

Many insurers require one recent valuation report or proof of purchase. Regular revaluation is wise because some items such as watches and works of art increase in value .

✔ 2. Coverage area: Netherlands or Worldwide?

Do you travel a lot with your jewelry or watch? Then choose insurance with worldwide coverage .

✔ 3. Deductible and Premium

The premium depends on:
💰 The value of the valuables (on average 1-2% per year).
🔒 Storage method (use of a safe can provide premium benefits).

Do you want to know what the best insurance is for your belongings? Question one personal advice Finass Insures .

5. Frequently Asked Questions about Valuables Insurance

💬 Is my watch or jewelry insured if I wear it?
Yes, with exclusive valuables insurance your watch is safe also insured outside the home .

💬 Is my art or antiques insured while traveling?
Not standard. Many travel insurance policies have one low maximum benefit. Therefore, choose insurance with worldwide coverage .

💬 Should I keep my jewelry or watches in a safe?
Insurers require this for some expensive items. Keep your valuables in one certified safe for better conditions and lower premiums.

6. How do you take out Exclusive Valuables Insurance?

Do you want to optimally protect your luxury belongings? Follow these steps:

1️⃣ Have your valuables appraised – A valuation report or proof of purchase is essential.
2️⃣ Choose the right coverage – Theft, damage and loss can be insured separately.
3️⃣ Request a quote from Finass Insures – Our specialists are happy to help you find the best coverage.
4️⃣ Take out insurance and enjoy your valuables without any worries!

Conclusion: Protect your Luxury Possessions with the Right Insurance

E and exclusive valuables insurance provides the best protection for jewelry, watches, works of art and collectibles. Standard home contents insurance often offers insufficient coverage, so separate insurance is strongly recommended.

💎 Do you want to optimally insure your valuables? Request a quote without obligation Finass Insures and discover the best protection for your valuables! 🚀