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What Makes BriteCo Watch Insurance Different?
Getting great comprehensive coverage for your luxury watch has too often been an intimidating, time-consuming, and frustrating experience. BriteCo has changed all that as one of the best watch insurance providers.
You can now get a quote in seconds and coverage in just a few minutes for superior watch insurance coverage that includes replacement for theft, loss, and mysterious disappearance. Check out all the best watch insurance companies and we challenge you to find a better, more affordable policy.
Why BriteCo™ Watch Insurance?
BriteCo™ takes pride in delivering fast, easy, and affordable watch insurance you need to protect your timepiece from theft, damage, mysterious disappearance, and more. With us, you’ll get comprehensive watch insurance coverage right from your smartphone in under two minutes
With service like this, it’s no wonder BriteCo™ is customer rated with 5-stars and trusted by 2,500+ independent jewelers nationwide:
- Convenient monthly payments
- Best in class customer service
- Fast & easy online insurance claims process
- ZERO out of pocket expenses
- 5-star rated, worldwide coverage on leading luxury watch brands like Rolex, Citizen, Tag Heuer, Patek Phillipe, Breitling, Chopard, Omega, Ulysse Nardin, and more
Approximate Watch Insurance Costs
| WATCH | COVERAGE AMOUNT* | LOW END COST/YR** | HIGH END COST/YR** |
|---|---|---|---|
| Tudor Black Bay 58 | $4,150 | $50.00 | $73.21 |
| Omega Seamaster Diver 300 | $5,900 | $66.63 | $104.08 |
| Omega Speedmaster Professional | $7,600 | $85.83 | $134.06 |
| TAG Heuer Carrera | $5,750 | $64.94 | $101.43 |
| Rolex Datejust | $9,500 | $107.29 | $167.58 |
| Cartier Santos de Cartier | $7,750 | $87.52 | $136.71 |
| Breitling Navitimer | $8,680 | $98.03 | $153.12 |
| Rolex Submariner | $9,100 | $102.77 | $160.52 |
| IWC Big Pilot | $12,900 | $145.68 | $227.56 |
| Rolex GMT-Master II | $22,500 | $254.00 | $396.75 |
| Rolex Daytona | $32,000 | $361.39 | $564.48 |
| Cartier Tank Française | $19,100 | $215.65 | $336.83 |
| Vacheron Constantin Overseas | $25,500 | $287.91 | $449.69 |
| Audemars Piguet Royal Oak | $48,000 | $542.08 | $846.72 |
| Patek Philippe Nautilus | $130,000 | $1,467.93 | $2,293.20 |
*Coverage Amount is based on insured value.
**Average Cost to Insure represents the estimated annual premium range. Costs can vary based on factors like your location and specific policy details. Exact premiums are provided upon application.
I Have Homeowners Insurance.
Do I Really Need Watch Insurance Too?
Absolutely! And for a few reasons. Besides the fact that a standard homeowners or renters insurance policy caps payouts fall between $1,000- $2,000 per item, jewelry and watch claims on your homeowner’s insurance can lead to rate hikes or policy cancellations. This is where specialized watch insurance providers like BriteCo™ step in to offer enhanced protection for your valuable watch. The cost of watch insurance with BriteCo™ is competitive, making it an attractive choice among discerning watch owners.
So, what does watch insurance cover? Whether you’ve spent several hundred or several thousand dollars on luxury watches, you’re going to want the very best watch insurance policy to protect your purchase in the event of loss, theft, damage, or mysterious disappearance anywhere you are in the world.
With BriteCo™ comprehensive insurance coverage , you can be confident knowing you’ve got great coverage at a very reasonable watch insurance cost compared to any other watch insurance company. The only question left is what could BriteCo™ save you? Get your free jewelry insurance quote today to find out!
Stay in the Know with BriteCo™
With BriteCo™, you get comprehensive watch insurance policies right from your smartphone in under two minutes. We’re obsessed with helping you get the most out of your jewelry and timepieces. That’s why in addition to world-class jewelry and watch insurance, we share the latest trends and helpful tidbits in fine jewelry, engagement rings, appraisals, and insurance.
Whether you want to know how to properly clean your watch, or the many differences between jewelry insurance vs your homeowners policy, we’ll keep you in the loop on what’s happening in the world of fine jewelry.
Contact us today to get the peace of mind you need for your fine jewelry!
Frequently Asked Questions
How Much Does Watch Insurance Cost?
Estimating your watch or jewelry insurance cost is relatively easy. Most jewelry insurance rates are calculated at 1-5% of your piece's market value annually; BriteCo's premiums are even more affordable, around 1-2% of your watch's value. Once your watch is appraised, you can use these percentages to estimate your annual premiums.
How Does Watch Insurance Work?
To insure a watch, you'll first get insurance quotes based on your timepiece's market value. An underwriting review will determine your final coverage options. Of course, you'll want to read any policy contracts before signing on the dotted line, and then rest easy knowing that you can make a claim to repair or replace a damaged or lost watch at any time. Learn more about the differences between homeowners and jewelry insurance and why BriteCo's standalone policies protect you more comprehensively.
What Types of Watches Do You Cover?
BriteCo's luxury watch insurance covers a range of high-value timepieces, including new, designer timepieces and vintage watches.
What Brands of Watches Do You Cover?
BriteCo covers a range of popular and designer watch brands, including Patek Philippe, Audemars Piguet, Vacheron Constantin, Rolex, Omega, and Cartier.
What Does Watch Insurance Cover?
BriteCo's watch insurance policies will cover repairs or replacements for damaged, lost, or stolen watches. So, you're always protected from accidental damage, theft, and mysterious disappearance.
Is There a Difference Between “Damage” and “Normal Wear and Tear”? How Does Insurance Treat Them Differently?
Damage is considered any accidental cosmetic damage or breakage to a piece, while normal wear and tear is not the result of any specific accident. Insurance covers damage under most circumstances (unless intentional) and may or may not cover normal wear and tear. If a policy does cover wear and tear, as BriteCo does, examples often include prong re-tipping or clasp replacement.
What Does Watch Insurance Not Cover?
While it may differ from provider to provider, jewelry and watch insurance typically does not include coverage for intentional damage or damage or loss that occurs during extraneous circumstances, such as military action or a nuclear hazard.
How Does BriteCo Watch Insurance Compare to Other Options?
When comparing BriteCo watch and jewelry insurance to other providers, BriteCo often offers more affordable rates, more comprehensive coverage overall, and more convenient quote and claims processes. Both can be completed online within minutes.
