Personal Articles Floater Coverage

A Personal Articles Floater is used to protect valuable property that is not covered under a standard Homeowners policy.

Most Homeowners policies have a number of exclusions and limitations set forth in their language. That's why it can be important for agents to help their clients identify potential coverage gaps by asking about valuable property owned. Valuable property items like engagement rings, art, and more can be added as "Floaters"on the policy, and provide adequate coverage to replace the item if it's lost or stolen.

diamond ring

What Can Be Covered Under Personal Article Floaters?

There are a number of items that qualify for coverage under Personal Article Floaters including:

  • Jewelry
  • Bicycles
  • Guns
  • Artwork

  • Expensive Home Goods: Crystal, China, Silver, etc.
  • Musical Instruments

Be sure to discuss with clients what they own that may quality for this added protection of their most valuable items.