Why a standard household insurance is not sufficient for valuable assets

Many people think that their luxury possessions , such as jewelry, watches, artworks and antiques , are automatically insured through their standard household insurance . But did you know that regular household insurance often does not provide enough coverage for expensive or exclusive property?

What if your diamond ring is stolen , your Rolex will be damaged , whether your painting will be lost by fire ? In this article we explain why a standard household insurance is not sufficient and how a valuables insurance does offer the right protection.

1. What does a standard household insurance cover?

A household insurance reimburses damage to things in your house for example:
✔ Brand
✔ Water damage
✔ Storm and lightning strike
✔ Theft after burglary

But there are important restrictions on coverage for luxury and precious assets.

The biggest restrictions in household insurance

🔸 Maximum coverage per item
Many insurers use a limit per expensive item , often between € 2,500 and € 5,000 . A Rolex, Patek Philippe or Cartier watch is often worth much more than this amount.

🔸 No worldwide coverage
Theft and damage outside the home are usually not or only partially covered. If you take your jewelry, watch or artwork to a hotel, traveling or to an event, your risk is running.

🔸 Limited theft coverage
in the event of theft outside the home, insurers often only pay a small percentage of the value . Street robbery or pickphaps rarely fall under a standard policy.

🔸 No coverage for loss
Do you lose a precious piece of jewelry or watch? A household insurance almost never loss

🔸 No market value correction
Some luxury watches and artworks increase in value. However, a standard household insurance only reimburses the original purchase value and not the current market value.

Do you want full protection? Then an exclusive valuable insurance necessary.

2. What is a valuable insurance policy and why do you need it?

A valuables insurance is specially designed for luxury and valuable properties. It offers much more extensive coverage than a household insurance.

What does a valuable insurance policy do?

✅ Full theft coverage , also outdoors and traveling.
✅ Non -life insurance , also for accidents such as falling or bumps.
✅ Cover for loss - ideal for watches, jewelry and small works of art.
✅ High insured value , tailored to the current valuation.
✅ Worldwide coverage , so that your possessions are protected everywhere.

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

3. For which costly assets is this insurance suitable?

A valuables insurance is ideal for:

💎 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 or vintage wine collections.

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

4. How does a valuable insurance work work?

There are different ways to insure luxury assets:

OPTION 1: Contents insurance with extra coverage

🔹 Maximum coverage per item : usually € 2,500 - € 5,000 .
🔹 Outdoors and often not losing co -insured .

Option 2: Separate valuables insurance

✅ High insured value - up to hundreds of thousands of euros per item.
✅ Full coverage against theft, damage and loss .
✅ Worldwide coverage - ideal for travelers and collectors.

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

5. What should you pay attention to in the event of a valuable insurance policy?

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

✔ Appraisal and valuation

Many insurers demand a recent appraisal report or proof of purchase. Let luxury assets charge regularly, because some items rise in value.

✔ Falling area: the Netherlands or worldwide?

If you travel with your valuables, choose insurance with global coverage .

✔ Own risk and premium

💰 The value of the valuables determines the premium.
🔒 A safe can provide a premium discount.

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 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.
4️⃣ Take out the insurance and enjoy your valuable possessions carefree!

Conclusion: Protect your luxury assets with the right insurance

A standard household insurance is not sufficient for luxury jewelry, watches and artworks . Do you want optimum protection against theft, damage and loss? Kies dan voor een kostbaarhedenverzekering .

💎 Request a quote today and make sure that your valuable assets are well insured! 🚀

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! 🚀

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!

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!