Horological Meandering

Perhaps this topic has been addressed in the past? I am looking at insuring my watches, and adding the coverage to my existing policies is a bit of a pain. Has anyone used the Hodinkee watch insurance? They appear to be underwritten by Chubb. =6214

Chubb is as good as it gets. On the way to going broke I insured everything with Chubb. Under my homeowners policy I simply added, individual valuable articles, watches etc. I had a claim for a backed up sewer in my basement. Damaged Hartmann luggage and ... 

I spoke to a Hodinkee agent and the insurance sounds legit. It’s essentially Chubb insurance, and Hodinkee acts as the agent.

If Hodinkee is an authorised agent for Chubb then pull the trigger

Try to see if you can get insurance in more direct ways. I imagine Hodinkee is getting a big cut.

Their rates seemed pretty competitive

I wasn't happy with my quote. Ultimately, retail pricing is a 2.5% of insured value proposition, which means you'll have a full covered loss every 40 years. I expect the pricing to be well under 2%. But that's just me. And that's not realistic for everyon... 

Every other agent has wanted me to tack it on to additional unnecessary policies, which would make it even more expensive, since I’d have to add those policies as well. Haven’t come across an agent that would allow me to buy just a watch insurance policy ... 

I did try through agents and it sounds like Chubb will only do these for customers with other policies. Wasn't thrilled with tacking it into homeowners since my agent wasn't super clear on the coverage. Hodinkee quoted me about 1.5% and I'm thinking about... 

I think this is related to zip code