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

https://camilassmartthoughtss.opalvector.com/posts/why-is-my-old-watch-appraisal-higher-than-any-offer-i-m-getting

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