How to Insure Your Apple Watch Against Loss or Theft

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When it comes to keeping your Apple Watch safe, it’s important to understand what insurance coverage is available in case of theft or loss. Unfortunately, Apple does not offer Theft and Loss cover for the Apple Watch, but there are other types of insurance that may provide protection.

Home insurance policies often cover personal items used in public, such as an Apple Watch. Check your policy to see if your watch is covered and how much reimbursement you may receive in the event of a theft or loss. Similarly, some mobile phone insurance policies may also provide coverage for the Apple Watch. Check with your provider to see if this is an option for you.

Travel insurance can also be a great way to protect your watch while on vacation or business trips. While most travel insurance policies do not specifically mention the Apple Watch, they do usually include coverage for personal items lost during travel, so check with your provider to see what type of coverage is available.

Once you have determined which type of insurance will best provie coverage for your watch, it’s important to take steps to secure it. Make sure that you have enabled Find My App on the watch and that you have set up a passcode lock so that others can’t access your personal information if it is stolen or lost. You should also suspend any credit cards stored in Wallet if you use them for payment with Apple Pay on the watch.

Having some form of insurance is essential when it comes to protecting yourself against theft or loss of an expensive item like an Apple Watch. It’s important to research all of your options and determine which type of policy will best provide security and peace of mind in case something unfortunate happens while wearing or traveling with your device.

Can Insurance Cover the Loss of an Apple Watch?

Yes, insurance may cover an Apple Watch if it is lost. While Apple does not offer Theft and Loss coverage for the Apple Watch, oher types of insurance may provide coverage. This can include home insurance policies that have elements relating to personal devices used in public, some mobile phone insurance policies, and even travel insurance. It is important to check with your insurer to see what type of coverage is offered for an Apple Watch.

apple watch lost or stolen insurance

The Consequences of Putting an Apple Watch in Lost Mode

When you mark your Apple Watch as lost, it will be locked with a passcode that no one else can access, preventing them from accessing your personal information. Additionally, the ability to pay with credit and debit cards using Apple Pay in Wallet will be suspended. You can stll track the location of your Apple Watch if it is online. If the battery runs out or the watch is offline for an extended period of time, you may not be able to track it or cancel payment cards.

Does Insurance Cover Stolen Watches?

Yes, insurance may cover a stolen watch depending on the type of policy you have. If your watch is a scheduled item on your homeowners insurance, renters insurance or condo insurance policy, you may be protected for the actual value of the watch if it is lost or stolen. It’s important to note that some policies have limits and exclusions on crtain items, so it’s best to check with your insurer to confirm coverage specifics and make sure your watch is covered. Your watch warranty will not typically cover theft or loss of the watch but may cover defects and possibly wear and tear.

Does Insurance Cover the Loss of a Watch?

No, homeowners insurance policies typically do not cover lost watches, as the limits for theft coverage are usually capped at around $1,500. If you want to insure your watch against loss, you may want to consider a standalone jewelry insurance or watch insurance policy. These types of policies generally offer coverage for mysterious disappearance of the item. Depending on the policy, you may be able to insure your watch for its full replacement value, and make a claim in the event that it is lost.


In conclusion, the Apple Watch is a powerful and versatile device that can help you stay connected and organized throughout your day. While Apple does not offer Theft and Loss cover for the Apple Watch, you may be able to find coverage in other types of insurance policies such as home insurance, mobile phone insurance, or travel insurance. Furthermore, when you mark your Apple Watch as lost, it will be locked with a passcode to protect your personal infrmation and suspend the ability to pay with Apple Pay using credit or debit cards in Wallet. All in all, the Apple Watch is an invaluable tool that can make your life easier.

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James Walker

James Walker has a deep passion for technology and is our in-house enthusiastic editor. He graduated from the School of Journalism and Mass Communication, and loves to test the latest gadgets and play with older software (something we’re still trying to figure out about himself). Hailing from Iowa, United States, James loves cats and is an avid hiker in his free time.