Personal Articles Floater

A personal articles floater is used to insure valuable personal property that often requires more coverage than what is provided by an insured’s homeowners policy, due to various exclusions and limitations on homeowner’s coverage. The personal articles floater can be used to insure the following categories of personal property: jewelry, furs, fine arts, cameras, bicycles, musical instruments, silverware/china/crystal, stamps/coin collections, guns, golfer’s equipment. These items have limited coverage on the Homeowners insurance policy so the personal articles floater allows the individual to have coverage in place for the full replacement cost of these items.