Exclusive valuables insurance: How do you choose the best coverage for unique items?

Luxury watches, diamond jewelry, exclusive artworks and rare collections are not only valuable assets, but often also investments that rise in value. What happens if your Rolex is stolen , your diamond ring is damaged , or a painting is lost due to water damage ?

A standard household insurance often offers insufficient protection for luxury valuables. exclusive valuable insurance is essential to optimally protect your valuable items against theft, damage and loss .

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

1. Why an exclusive valuable insurance policy?

Many people think that their luxury assets are sufficiently covered through their standard household insurance , but this is often not the case.

The biggest restrictions in household insurance

🔸 Maximum coverage per item
Many household insurance policies use a limit per item , often between € 2,500 and € 5,000 . This is insufficient for a Rolex, a diamond ring or a painting by a well -known artist .

🔸 No coverage Buitenhuis
In the event of theft or damage outside the home, your item is often not or only limited to a limited extent .

🔸 No loss coverage
Do you lose a piece of jewelry or watch? A standard household insurance does not pay out in the event of loss.

🔸 Value not always adapted
some luxury assets, such as watches and artworks , in value. A standard household insurance usually only reimburses the original purchase value and not the current market value.

💎 Do you want full protection? exclusive valuable insurance is the best solution.

2. What does an exclusive valuable insurance policy cover?

An exclusive valuable insurance offers much more extensive coverage than a standard household insurance.

✅ Theft - full coverage, also outdoors and traveling.
✅ Damage - protection against scratches, falling and other accidents.
✅ Loss - Insured if you lose an item.
✅ Worldwide coverage - Your possessions are protected all over the world.
✅ Current market value - insurance based on appraisal value, not just the purchase value.

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

3. What luxury items can you insure?

This insurance is suitable for the following valuable assets:

💎 Jewelry & Diamonds - Exclusive rings, necklaces and heirlooms.
⌚ Luxury watches - Rolex, Patek Philippe, Audemars Piguet, Cartier, Omega and more.
🖼️ Art & Antiques - paintings, sculptures and rare collective objects.
🎻 Musical instruments - exclusive violins, pianos and other valuable instruments.
🏆 Rare collections - think of coins, stamps, classic cars and vintage wine collections.

Wondering if your assets can be insured? Request advice without obligation from Finass insures .

4. How do you choose the best coverage for your unique items?

Not every insurance offers the same coverage. Take the following points into account:

✔ 1. Appraisal and valuation

Many insurers demand a recent appraisal report or proof of purchase. Regular revaluation is wise, because some items such as watches and artworks increase in value .

✔ 2. Championship area: the Netherlands or worldwide?

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

✔ 3. Own risk and premium

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

Do you want to know what the best insurance is for your assets? Request a personal advice from Finass insures .

5. Frequently asked questions about valuables insurance

💬 Is my watch or jewelry insured when I wear it?
Yes, with an exclusive valuable insurance policy, your watch is also insured outside the home .

💬 Is mijn kunst of antiek verzekerd op reis?
Not standard. Veel reisverzekeringen hebben een lage maximale uitkering . Kies daarom voor een verzekering met wereldwijde dekking .

💬 Do I have to keep my jewelry or watches in a safe?
For some expensive items, insurers ask for this. Keep your valuables in a certified safe for better conditions and lower premiums.

6. How do you take out exclusive valuable insurance?

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

1️⃣ Have your valuables appraised - a valuation report or proof of purchase is essential.
2️⃣ Choose the correct coverage - theft, damage and loss can be insured separately.
3️⃣ Request a quote from Finass insure - our specialists are happy to help you find the best coverage.
4️⃣ Take out the insurance and enjoy your valuable possessions carefree!

Conclusion: Protect your luxury assets with the right insurance

An exclusive valuable insurance offers the best protection for jewelry, watches, artworks and collective objects . A standard household insurance often offers insufficient coverage , so a separate insurance is strongly recommended.

💎 Do you want to optimally insure your valuables? Request a quote from Finass insures and discover the best protection for your valuable assets! 🚀