protect your favorite timepieces

By clicking "get a quote" you will leave Allstate.com and be directed to the Jewelers Mutual® website.* If you are an Allstate homeowners customer, you can also contact your agent or call 800-Allstate to purchase protection through Allstate.

A man putting on a watch.

Watch insurance

OverviewEngagement ringWatches

Why insure a watch?

Watch insurance gives you more coverage than your standard home insurance or manufacturer warranty can provide in the event of loss, theft or damage.

What does watch insurance cover?

Watch insurance covers a range of unexpected events, including:

  • Loss
  • Theft
  • Damage
  • Disappearance
  • Natural disasters
  • Worldwide travel
  • Normal wear and tear

What watch insurance may not cover

Limits to watch insurance policies may include:

  • War and military action
  • Rodent and pest infestation
  • Intentional actions or voluntary parting
  • Deterioration
  • Cleaning and inspections

How much does watch insurance cost?

The cost of watch insurance typically ranges from 1% to 2% of the watch’s appraised value per year.

For example, if your watch is valued at $10,000, you can expect to pay between $100 and $200 annually for coverage. The exact cost depends on factors such as the watch’s value, your location, and the type of coverage.

Insuring your watch has never been easier

Check your rate online, apply, pay instantly and you have peace of mind for your jewelry.

get a quote

By clicking "get a quote" you will leave Allstate.com and be directed to the Jewelers Mutual® website.* If you are an Allstate homeowners customer, you can also contact your agent or call 800-Allstate to purchase protection through Allstate.

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Insurance for Rolex watches

Have a Rolex watch? Whether new or vintage, these timepieces can appreciate over time. Protect your investment with comprehensive watch insurance so it can remain a treasured family heirloom and a financial asset for years to come.

Insurance for Apple watches

For many, Apple watches track steps, send notifications, and are an important part of their daily routine. Insuring your Apple watch will keep it protected from accidents like theft, loss, or damage.

AppleCare and AppleCare+ won’t replace lost watches, and the Find My app will not be able to locate it if the battery runs out. Add coverage to your Apple watch so you can quickly get it replaced with minimal out-of-pocket costs.

Watch insurance FAQs

No, an appraisal is not required for watch insurance. You can purchase a policy if you have a sales receipt, however an appraisal would help document the true value of your watch and any replacement costs.

Damage is covered by watch insurance, and typically includes unexpected events like drops or impacts. However, watch insurance will not cover normal wear and tear, which is a gradual deterioration over time.

Yes, you can insure older watches. It may be helpful to provide an appraisal to document its current value.

Yes, if you don’t know the value of your watch, you can still have it insured. It may be helpful to get an appraisal to document an accurate value and replacement cost.

Credit card protection for your watch is often limited in coverage or is only for a certain time period. With comprehensive watch insurance, you’ll have long-term protection for situations like theft, loss, or accidental damage, even after your credit card’s benefits run out.

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