Valuables (jewellery & Watches)
At Expat Insurance Hong Kong, we arrange tailored Valuables (Jewellery & Watches) Insurance for expats and Hong Kong residents who want true protection for their most valuable personal items. Whether you own a single engagement ring, a luxury watch, or multiple collectible pieces, we make it straightforward to secure cover that is clear, correctly valued, and built to respond in real-life situations.
Who Needs Valuables (Jewellery & Watches) Insurance?
Valuables Insurance is most relevant for people who own high-value jewellery and watches and want certainty that these items are properly insured — especially when their value exceeds the limits of standard home contents cover. It’s particularly important if you wear your
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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, travelling internationally, or carrying items in luggage.
We also help clients avoid underinsurance. Many people insure based on what they paid years ago, not what it costs to replace today. With jewellery and watches, market pricing and replacement costs can 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, their household policy technically included valuables — but the item wasn’t listed, the insurer applied a low category cap, or the
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claim settlement was based on the policy’s sub-limit rather than the item’s true replacement value. These are not obvious issues when buying online or comparing brochures.
Another common problem is the claim definition around unattended items, travel storage, or “mysterious disappearance” (when you can’t clearly prove when or how the item went missing). Insurers may require specific evidence, and without the right policy design, an otherwise genuine claim can become complicated. We help you structure cover that fits how you actually live — 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 repeatedly, we can guide you clearly toward 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 often be extended for
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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—limits, valuations, and coverage vary widely. We simplify the process to ensure your jewelry and watches are properly protected at the right value, 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.
