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Old 7 September 2024, 04:59 AM   #1
FloridaBill
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Insurance rates for Patek
I called USAA and they quoted me a $70 per $10,000 increment for watch insurance.

What are typical rates for your insurance?
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Old 7 September 2024, 08:47 AM   #2
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Quote:
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I called USAA and they quoted me a $70 per $10,000 increment for watch insurance.

What are typical rates for your insurance?
That sounds crazy low. I'm paying around 2.5%
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Old 7 September 2024, 09:36 AM   #3
singe89
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I had nationwide private client for the last 10 years and was about 0.8%. Unfortunately they left CA so getting quoted more in the 2% range now.
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Old 7 September 2024, 09:53 AM   #4
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~0.5%
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Old 7 September 2024, 10:59 AM   #5
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Just under 2% in Canada but I imagine this is more expensive compared to the US since they have more options for coverage
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Old 7 September 2024, 11:30 AM   #6
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Have to imagine this is predicated by your zip code, I am paying ~3% in LA.
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Old 7 September 2024, 11:37 AM   #7
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It depends on the zip code. I am paying around 1.5%
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Old 7 September 2024, 12:04 PM   #8
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Very close to OP's rate.

But have safe, have double alarms, have home, auto, personal bundle.

YMMV - my zip code doesn't hurt.


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Old 7 September 2024, 01:44 PM   #9
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0.9% in NorCal
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Old 7 September 2024, 11:13 PM   #10
1William
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A lot of factor to determine. Location and value the best indicators. I think I pay about 1.5% of total value.
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Old 8 September 2024, 07:52 AM   #11
sampelligrino
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Zip code will play a huge role, but State Farm wouldn't even offer me a personal articles policy anymore here in LA. Jewelers Mutual gave me a quote, Hodinkee's rate was much much better
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Old 8 September 2024, 09:28 AM   #12
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Jeweler’s Mutual for my wife’s main wedding ring she wears is 1.3% in San Mateo County, which ends up being ridiculously expensive however it’s a limited edition that hasn’t been made for years and they’d have to make a new one, so the insurance money probably isn’t going to get there anyway.
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Old 8 September 2024, 09:41 AM   #13
bobernet
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Chubb @ just over 1% via Hodinkee.
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Old 5 October 2024, 11:01 AM   #14
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Assume per year


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Old 6 October 2024, 06:04 AM   #15
misochew
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~1.1% on Hodinkee/Chubb for me in SoCal
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Old 7 October 2024, 01:42 PM   #16
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1.5% with Chubb in MI.
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Old 8 October 2024, 05:57 AM   #17
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~0.5%
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Old 19 October 2024, 04:49 AM   #18
Apheaven
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~0.5%

Who is the underwriter? Thank you in advance.


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