If you’ve inherited a watch, like a Rolex, figuring out its insurance value...

https://high-wiki.win/index.php/Why_Do_Discontinued_Rolex_Models_Sometimes_Sell_Above_Retail%3F

If you’ve inherited a watch, like a Rolex, figuring out its insurance value versus its resale value can be tricky. The insurance value covers replacement costs, often higher than what you’d get selling it