All very good discussion, guys.
For me, personally, I would insure any watch I paid more than $5k for, since at that point, you're wearing something as valuable as many used vehicles on your wrist. It's better to be safe than sorry!
Question for those of you who do have watch-specific insurance: how much does insurance tend to run? I ask purely out of curiosity. If I bought a $40k Patek, I just wonder what the monthly fee would be to keep that thing insured.
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