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

https://sundial.csun.edu/219365/sundialbrandstudio/sundial-marketplace/that-watch-your-grandpa-left-you-might-be-worth-more-than-your-textbooks-combined/

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