The insurable value of a safe is always an indicative guideline. It is calculated under standard conditions, for example storage in an unmonitored and unsecured building.
In practice, insurers can significantly increase coverage when additional security measures are in place, such as an alarm system, CCTV or a high-security building. This is especially relevant for the storage of precious metals, jewellery or diamonds.
That is why it is important to discuss your specific situation directly with your insurer. Together, we can determine which safe and which measures are required to ensure your valuables are fully covered.