Recommendation for watch insurance?

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Hi folks,

Can anyone in the US recommend a good insurer for a small watch collection? I'm aware of Jeweler's Mutual and had a policy with them, but they are replacement only and I would prefer a policy that offers a straight cash payout in the event of loss, theft, damage, etc.

Does anyone know of an insurer that offers a policy like that.

Thanks,
sonvolt

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