Okay, so, let’s talk about this whole watch insurance thing. I’ve been collecting watches for a while now, and I never really thought about insuring them separately. I mean, I have homeowner’s insurance, right? Figured that covered everything. But then I started getting some nicer pieces, you know, the kind you don’t just wear to the grocery store. And I started to worry.
I started digging into it, and man, it’s a rabbit hole. First off, I called up my insurance company and asked about my current policy. Turns out, my homeowner’s insurance only covered my watches up to a certain amount, and it was way less than what some of my watches are actually worth now. Plus, there’s a deductible, so if something happened, I’d still be out some cash. Not ideal.
Then, I was wondering if I set it at the original price or what I bought it at, or how much it’s worth now. I even put some of them in my home-safe, which is a TR-15 rated safe, but that doesn’t really change the insurance problem.
So, I started looking into specialized watch insurance. I heard about this HODINKEE Insurance, which is apparently backed by Chubb, and it sounded pretty good. “All-risk” coverage, no deductible, that’s what they said. I started looking into it.
The website was easy enough to navigate. I could do everything on my phone, which was convenient. They don’t ask you to jump through hoops with paperwork, which is a relief. They ask you for some basic information like the make, model, and serial number of each watch, and you can even upload photos.
I spent an afternoon getting all my watch information together. Snapped some pictures, wrote down all the details, and started filling out the online forms. It was actually kind of fun, in a nerdy watch-guy kind of way. I’ve been building my collection, and this insurance thing seemed like the next step.
Once I got everything entered, the system gave me a quote, and I have to say, it was pretty reasonable. Way less than I was expecting. I compared it to a couple of other options I found online, but HODINKEE seemed like the best deal, especially with that “all-risk” coverage.
So, I went for it. I signed up for HODINKEE Insurance. It was all pretty straightforward. Now, I feel a lot better knowing my watches are protected. It’s like, I can wear them and enjoy them without constantly worrying about something happening. I can wear them wherever I go, even on vacation, which is pretty awesome.
Honestly, if you’ve got a decent watch collection, you should really look into this. It’s just one of those things that gives you peace of mind. You never know what might happen, and it’s better to be safe than sorry, especially when it comes to something you’ve invested a lot of money and passion into. I’m not saying you need to run out and get HODINKEE Insurance, but at least think about it, okay? Do your research, compare your options, and see what works best for you.
- Step 1: Realized my homeowner’s insurance wasn’t enough.
- Step 2: Started looking into specialized watch insurance.
- Step 3: Found HODINKEE Insurance, seemed like a good fit.
- Step 4: Gathered all my watch information and filled out the online forms.
- Step 5: Got a quote, compared it to other options, decided to go with HODINKEE.
- Step 6: Signed up, and now I feel much better!
I’m just saying, it’s worth considering. It feels good to know my watches are protected. It’s like an extra layer of security, you know? Plus, now I can actually wear my watches without being paranoid all the time. I travel a lot, too, so knowing they’re covered no matter where I am is a huge relief.
Bottom line:
Protect your investments, folks! It’s not just about the money, it’s about the passion, the time, and the effort you put into building your collection. It would be a real shame to lose something you care about because you didn’t take the time to insure it properly.
