Rurate insurance for luxury assets: what cover do you need?

Luxe bezittingen zoals sieraden, horloges, kunstwerken, antiek en exclusieve verzamelingen zijn vaak meer dan alleen waardevolle objecten; They have emotional meaning and can rise in value. But what if your precious watch is stolen , your diamond ring will be damaged or a painting is lost due to water damage ?

A standard household insurance often offers insufficient protection for luxury assets. That is why a valuable insurance policy essential to optimally protect your valuable properties against theft, damage and loss . In this blog you discover what coverage you need and how you choose the best valuables insurance .

1. Why is a valuables insurance needed?

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

The greatest risks for luxury assets

✔ Theft - jewelry, watches and artworks are sought after targets for burglars.
✔ Loss - A luxury piece of jewelry or watch can easily be lost.
✔ Damage - damage caused by bumps, scratches, fire or water damage.
✔ Limited coverage outdoors - standard insurance policies often do not cover luxury assets.

Do you want to be sure that your exclusive assets are fully insured? Then a valuable insurance policy the best solution.

2. What does a valuable insurance policy cover?

A special valuable insurance policy offers much more protection than a standard household insurance. These are the most important coverage:

✅ Diefstal – Volledige dekking bij inbraak of straatroof.
✅ Schade – Dekking voor ongelukjes, zoals krassen op een horloge of een gebroken sieraad.
✅ Verlies – Je bent verzekerd als je je kostbaarheden kwijtraakt.
✅ Wereldwijde Dekking – Je luxe bezittingen zijn ook op reis beschermd.
✅ 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. For which luxury assets is this insurance suitable?

This insurance is perfect for people with:

💎 Luxury jewelry - diamond rings, heirlooms and exclusive jewelry.
⌚ 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 more.

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

4. What types of valuables insurance are there?

There are different ways to ensure your luxury assets:

OPTION 1: Contents insurance with extra coverage

A standard household insurance offers limited coverage for valuables. Do you want more certainty? Then choose additional coverage for valuables .
🔹 Maximum coverage per item : often € 2,500 - € 5,000.
🔹 No full coverage for damage or loss outdoors.

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 watches, jewelry and other luxury assets, 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. Take the following factors into account:

✔ Appraisal and valuation

Many insurers demand a recent appraisal report or proof of purchase. Have your luxury assets valued regularly, because some items such as watches and artworks increase in value .

✔ Falling area: the Netherlands or worldwide?

Do you often travel 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, with a 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.

7. How do you take out 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

A 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!