Watch values
Market value and price history for the watches people insure most, so you know how much coverage you actually need.
What the brand charges new at an authorized dealer. Popular models often sell above it on the secondary market.
What the same reference actually sells for pre-owned today. It moves with demand, so it can rise above or fall below retail.
What it would cost you to replace the watch. A good rule: insure for whichever is higher, market value or retail, and review it every year.