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I have USAA insurance on my Rolex Expy II and my Omega Speedy Pro. I dont remember what I pay but its pretty insignificant for a peace of mind. Maybe $100 a year? I could be way off but I know its not much. I could check for you if interested. both watches are insured for replacement market value (about $2500 on the Omega and $4000 on the Rolex). it covers loss, theft, damage, whatever.
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Ditto, I have a USAA Personal Article Floater policy that insures my 3 Omegas and Raymond Weil as all my wife's jewelry. It's worth the piece of mind!
Insurance is one of those things you hate paying but when you need it you're glad you did.
