I figured $25 a month was pretty cheap to not worry about the daily or the ones in the safe.I insured my Omega, $10 a month I believe? It was an add-on rider with statefarm.
I did it back when I was traveling a lot for business, but still have the coverage today. I did it not because the watch was that expensive, but because I wanted to see what the process was like for my next watch. Thankfully I talked myself out of that $30k watch. No need for that yet at this stage in life for me