House · Insurance valuation
Watch insurance valuation.
To insure a watch, your insurer needs an independent appraisal: the reference and serial, the condition, and a dated replacement value based on today's market. Maison Montres provides that appraisal — it does not sell the policy — and being a house that holds no stock, its figure is an unbiased read of the market rather than a shop's own number. Because values move, the appraisal should be refreshed every few years so a claim is settled on the current figure, not a stale one.
What the appraisal contains
- Identification — reference and serial, model and materials.
- Condition — graded across case, dial, movement and bracelet, described in words.
- Replacement value — a dated figure based on the current market, not the original retail.
- Documentation — a record an insurer will accept to schedule the watch and settle a claim.
The appraisal draws on the same reading of the market as a sale valuation, framed for replacement rather than resale. If you later decide to sell, the two connect cleanly.
Questions
How do I insure a luxury watch?
Usually as a scheduled item on a contents policy or through a specialist valuables insurer. Either needs an independent appraisal stating reference, condition and a dated replacement value. Maison Montres provides the appraisal, not the policy, and it should be refreshed periodically.
What is a watch appraisal for insurance?
A dated document identifying the watch, describing its condition, and stating a current-market replacement value. An independent appraisal — from a party with no stock to sell you — carries more weight than a shop's own figure.
How often should a watch valuation be updated?
Every two to three years is a common guide, sooner after a sharp market move. An out-of-date appraisal risks underinsurance if values rose, or overpaying premium if they fell.