Jewelry, art and watches insure: everything about exclusive valuables insurance

Exclusive jewelry, luxury watches and artworks are not only beautiful assets, but also valuable investments. Whether it is a diamond ring, a Rolex, a Patek Philippe or a painting by a renowned artist , the financial and emotional value can be enormous.

But what if your jewelry is stolen , your watch is damaged or a work of art is lost due to fire or water damage ? A standard household insurance often offers insufficient coverage for these luxury assets. With an exclusive valuables insurance you ensure maximum protection against theft, damage and loss .

In this blog you discover how you can best insure jewelry, art and watches coverage you need .

1. Why exclusive valuable insurance is necessary

Many people think that their luxury assets automatically fall under their household insurance , but that is often not the case. The maximum benefit per item is usually too low and the coverage outside is limited.

The greatest risks for luxury assets

✔ Theft - luxury jewelry, watches and art are a popular target for burglars.
✔ Loss - A ring can slide off your finger, a watch can lose.
✔ Damage - scratches, bumps, broken stones or a damaged painting.
✔ Limited coverage - abroad - luxury assets are often not or limited limited.
✔ Rising value - some luxury watches and artworks rise in value, but a standard household insurance does not take this into account.

Do you want complete protection for your luxury properties? exclusive valuable insurance is the best solution.

2. What does an exclusive valuable insurance policy cover?

An exclusive valuable insurance offers much more protection than a standard household insurance. These are the most important coverage:

✅ Theft - full coverage in burglary or street robbery.
✅ Damage - coverage for accidents, such as scratches on a watch or a broken piece of jewelry.
✅ Loss - You are insured if you lose your valuables.
✅ Worldwide coverage - your luxury assets are also protected when traveling.
✅ Insurance on value - you insure the current appraisal value or purchase price.

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

3. What luxury assets can you insure?

An exclusive valuable insurance is suitable for:

💎 Jewelry - diamond rings, gold chains, heirlooms and exclusive jewelry.
⌚ Luxury watches - Rolex, Patek Philippe, Audemars Piguet, Cartier, Omega and more.
🖼️ Artworks - paintings, sculptures and rare collective objects.
🎻 Musical instruments - exclusive violins, pianos and other valuable instruments.
🏆 Rare collections - think of coins, stamps, vintage wine collections.

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

4. How does a valuable insurance work work?

There are different ways to ensure your luxury assets:

OPTION 1: Contents insurance with extra coverage

A standard household insurance often offers limited coverage for valuables. Do you want more certainty? Then choose additional coverage for valuables .
🔹 Maximum coverage per item : usually € 2,500 - € 5,000 .
🔹 Theft outside the home is often not completely covered .

Option 2: Separate valuables insurance

Do you really want complete protection? Then choose a separate valuable insurance policy .
✅ High insured value - coverage based on appraisal value.
✅ Full coverage against theft, damage and loss .
✅ Worldwide coverage - ideal for people who travel a lot.

For luxury watches, jewelry and artworks, a separate valuable insurance is often the best choice .

5. What should you pay attention to when taking out a valuable insurance policy?

Not every insurance offers the same coverage. Note these important points:

✔ 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 artworks increase 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 .

6. Frequently asked questions about valuables insurance

💬 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.

💬 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.

7. How do you take out exclusive valuables 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: choose the best coverage for your luxury assets

An exclusive valuable insurance offers the best protection for jewelry, art and watches . 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! 🚀