Inherited a Rolex and wondering if you should sell or take a collateral loan?...

https://www.bookmark-step.win/when-valuing-an-inherited-rolex-it-s-important-to-understand-the-difference

Inherited a Rolex and wondering if you should sell or take a collateral loan? Understanding the difference between insurance value and resale value is key. Insurance value often covers replacement cost, while resale value reflects the current market price