When the cost of repairing or replacing the watch is greater than the cost of the insurance over several years, it makes sense to purchase watch insurance.

Take, for instance, the aforementioned $5,000 watch. If insurance costs $50 to $100 per year, it would take 50 to 100 years before you paid back the watch’s full value.

https://youtu.be/DgWyLhG_A28