The Best Watch Insurance Providers of 2023

An elegant watch is an important investment that need to be secured.Watch insurance can protect your worthy watch from destruction,loss. Here is some list of Best Watch Insurance providers.

Best Watch Insurance Providers

  • AXA
  • HODINKEE Insurance
  • Lemonade
  • Wax Insurance
  • BriteCo

AXA Best for Luxury Watches

AXA is the best watch insurance providers for luxury watches.It provide extensive coverage choices scheduled and blanket insurance policies.AXA will cover you all luxury watches on all risk basis. You can purchase a scheduled policy or blanket policy depend on the value of your watch and various pieces in your collection.

With AXA your watches are covered you keep them whether in a home safe or in a bank vault.Axa offers reliable coverage for expensive watches. You required to call the company and work with an agent to get a quote , manage your policy and claim file.Axa does not share more information on its website.

Pros & Cons

  • Available in 50 states
  • Extensive coverage for luxury watches
  • Choose a scheduled or blanket policy
  • Do not get a quote online
  • No online claims
  • less information about deductibles and coverage
  • No claim on online platform

Wax Insurance

Wax Insurance is designed for Watch Collectors. All of your collectibles covered under a mono policy. It speciallizes all watches. You only use mobile app take a photo and the Wax team does the rest. Each watch is covered up to 150% of insured value up to your policy coverage. Wax company is totally mobile whether you desire a quote, add watches to your policy and file a claim. You can handle through free app. There is no deductible. It does not advertise the price for its policies you can get through app.

Pros and Cons

  • Manage your policy through mobile app
  • Policy pay cash at decided value
  • Simply snap a picture to add watches to your policy
  • Policies are written by competitors


Lemonade is an excellent choice for smartwatch owners. They do not require a premium. It is a digital insurance companies.Smartwatch owners accustomed to using their devices will enjoy the convenience for managing their policies, claims right from phones.You can get a personalized quote rate for Lemonade smartwatch insurance online through mobile app. IF you have owned the watch for more than five years you only need an appraisal if for more than five years you need a receipt.

Pros and Cons

  • Easy to get a quote online
  • PUrchase extra coverage for top limitsCoverage is affordable
  • Not available in each state
  • Must have a lemonade homeowners or insurance policy


Briteco is the super watch insurance provider for claim handling. You can file a claim at any time. You can file a claim at any time. Not needed an agent. Every policy includes market value protection.125 % of items insured.It covers most of watches like Rolex, Chopard. Watches are covered including damage, loss and theft. You never pay a deductible.

Pros and Cons

  • No deductible required
  • Include market value safety
  • Easy online claim reporting
  • Appraisal are needed to purchase coverage
  • Do not have local offices

HODINKEE Insurance

You never pay a deductible if you have a claim. The company offers $0 deductible policies.

Pros and Cons

  • Do not offer free appraisals
  • Sell $0 deductible policies
  • Policies are underwritten by chubb
  • Appraisal are required for pieces under $100,000

What is Watch Insurance?

Watch Insurance is a policy that allow to cover the cost of repairing watches or replacing, typically valued at thousand of dollars. This is often known as personal article policy by insurance carriers these are high valued items.

What Does Watch Insurance Covers?

Watch Insurance covers watches against a list of specific perils. These include like damage,theft loss. Some insurance policies covers less than others.

How Much Does Watch Insurance Cost?

The cost of watch insurance based on a few factors, the main is value of your watch. Your location,deductible, coverage limit and the provider determine the price.


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