Valuables Insurance (jewellery & Watches)
All risks cover for engagement and other rings, bracelets, necklaces, other jewellery and watches or collectable pieces are covered against loss, theft and accidental damage.
At Expat Insurance we arrange policies to cover your Valuables. We make it straightforward to secure cover that is clear, correctly valued, and built to respond in real-life situations.
Who Needs Valuables Insurance?
Any person owning high-valued jewellery and watches and want certainty that these items are properly insured — especially when the value exceeds the standard policy limits of a home contents cover. It’s particularly important if you wear …
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items regularly, travel frequently, or store valuables across multiple locations (home, safe deposit box, or overseas).
It’s also highly relevant if you want clarity before something happens, because losses rarely occur in perfect circumstances. A watch can be stolen during a quick moment of distraction, jewellery can be misplaced while travelling, and accidental damage can happen during everyday wear. Replacement values for premium brands can rise quickly, and without the right policy structure, what feels like “a simple loss” can become a major financial shock.
Possible Pitfalls We Help You Avoid
This is where experience matters, because valuables cover can look similar until you need it. One of the biggest pitfalls is relying on a general contents policy and assuming it automatically covers everything. Many policies apply strict sub-limits for jewellery and
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watches — and those limits can be far below the replacement cost of a single luxury watch or ring.
Another common issue is misunderstanding what is actually covered: theft, accidental loss, and accidental damage are often treated differently by insurers. Some policies cover theft but exclude accidental loss, while others restrict cover outside the home or apply extra conditions when travelling. We make sure you understand how your cover responds in the real situations that matter — including wearing items outside the home, travelling internationally, or carrying items in your luggage.
Expat Insurance help clients avoid underinsurance. Many people insure based on what was paid years ago, and not what it costs to replace today. The jewellery and watches market pricing, and replacement costs change fast — especially for luxury brands and limited pieces. We guide you on realistic insured values and help you prepare the right documentation (receipts, serial numbers, valuation certificates) so your cover is set up properly from day one.
Why Work With Expat Insurance?
We regularly see clients who believed their jewellery and watches were “fully covered,” only to discover gaps when they needed help most. In many cases, a household policy technically includes valuables — but an item wasn’t listed, and the insurer based the …
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claim settlement on the policy’s sub-limit rather than the item’s true replacement value. This is not an obvious issue when buying online or comparing brochures.
Another problem is the definition around unattended items, travel storage, or “mysterious disappearance” (when you can’t prove when or how an item went missing). Insurers may require specific evidence, and without the right policy, a genuine claim becomes complicated. Expat Insurance helps structure cover that fits you — whether you wear a watch daily, travel for work, or want worldwide protection with clear conditions.
For expats, there can also be extra complexity when items were purchased overseas, gifted, inherited, or moved between countries. Proof of ownership and valuation requirements matter more than people expect. Because we’ve dealt with these scenarios, we guide you clearly towards the best-value cover for your circumstances, with fewer risks and fewer unknowns.
What Does Typical Cover Include?
Valuables (Jewellery & Watches) Insurance is typically structured by listing items under specified/scheduled cover, with agreed or insured values supported by valuations where needed. Cover can include theft, accidental loss, and accidental damage, and can …
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often be extended for worldwide cover — ideal for frequent travellers and internationally mobile families.
A key focus is ensuring you’re protected not only for the item itself, but for the surrounding real-world situations that drive claims — loss outside the home, damage during daily wear, or theft while travelling. Done properly, valuables cover protects you from the “fine print surprises” that can turn a clear loss into a frustrating dispute — and ensures you can replace what matters without unnecessary financial stress.
Let's Get Your Insurance Done Right
Valuables Insurance is complex — policy limits, valuations, and coverage varies. We simplify the process, ensuring valuables are properly protected at the right value and tailored to your lifestyle.
We start with a consultation.
We review your collection and identify coverage gaps in your current Home Contents policy.
Review required Proof of Value .
We confirm your proof of value with the insurer upfront, preventing surprises during a future claim.
We find the right insurer.
We compare policies from global leaders in jewellery and valuables insurance.
We handle claims personally.
From documentation to settlement, we advocate for you to ensure fair and prompt compensation.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
Not exceptions but normal occurrences in Hong Kong, where a single health emergency can quickly strain finances. The outcome often rests on your insurance coverage.
