Insuring exclusive valuables: How do you protect your valuable assets?

Luxury jewelry, watches, artworks and other exclusive valuables are not only valuable assets, but often also emotionally important. Whether you have a Rolex , a Patek Philippe , a diamond ring , a rare painting or an antique heirloom , the financial and emotional impact in the event of loss or damage can be enormous.

A standard household insurance often offers insufficient coverage for these exclusive assets. With an exclusive valuables insurance you optimally protect your valuable items against theft, damage and loss , both at home and on the road. In this blog you discover how you can best insure your valuables and what you should pay attention to when choosing the right coverage.

1. Why is an exclusive valuables insurance essential?

Rurows such as luxury watches, artworks, jewelry and antiques are a popular target for theft and can also be damaged by fire, water or accidents. Many people think that their household insurance offers sufficient coverage , but often there are maximum benefits that are far too low for truly valuable possessions.

The greatest risks for exclusive valuables:

✔ Theft - luxury valuables are often stolen, both at home and outdoors.
✔ Loss - A moment of inattention and a watch, ring or art object may have lost.
✔ Damage - scratches on a luxury watch, fracture damage of jewelry or a fallen work of art.
✔ Fire and water damage- Many insurance policies do not fully reimburse this for valuables.
✔ No or limited coverage on travel - standard travel insurance often do not offer sufficient protection.

With an exclusive valuable insurance you are insured against these risks worldwide.

2. What does an exclusive valuable insurance policy cover?

Exclusive valuable insurance offers more extensive coverage than standard household insurance . This means:

✅ Theft - coverage against burglary and street robbery.
✅ Damage - protection against accidents, falling and other damage.
✅ Loss - coverage of losing your valuables.
✅ Worldwide coverage - Your valuables are also protected when traveling.
✅ High insured value - based on valuation or purchase value.

Do you have several luxury items? Then you can have this insured under one exclusive valuables insurance .

3. For what valuables is this insurance suitable?

This insurance is perfect for people with:

💎 Luxury jewelry - diamonds, gold jewelry, heirlooms and exclusive jewelry.
⌚ Luxury watches - Rolex, Patek Philippe, Audemars Piguet, Cartier, Omega and more.
🖼️ Art and antiques - paintings, sculptures, rare collections.
🎻 Musical instruments - exclusive violins, pianos and other valuable instruments.
🏆 Rare collections - coins, stamps, wine collections and other valuable objects.

Do you want to know if your valuables are eligible? Request a quote from Finass insures .

4. What should you pay attention to with an exclusive valuable insurance policy?

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

✔ Appraisal and valuation

Most insurers require a recent appraisal report or proof of purchase. Regular revaluation is wise, because some items, such as watches and art, rise in value .

✔ Falling area: the Netherlands or worldwide?

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

✔ 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 exclusive valuables insure

💬 Is my watch or jewelry insured when I wear it?
Yes, an exclusive valuable insurance offers coverage outside the home , even if you wear your jewelry or watch.

💬 Are my valuables when traveling insured?
Not standard. Many travel insurance policies have a maximum benefit. An exclusive valuable insurance policy with global coverage offers the best protection.

💬 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 exclusive 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 exclusive valuables with the correct insurance

An exclusive valuables insurance is the way to protect your valuable jewelry, watches, art and collections against theft, damage and loss . 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!