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How to Insure Your Valuable Personal Property

Published by Robert J Stillwell on April 17, 2019


A homeowner’s policy will cover the standard items that you may find in your home such as appliances, furniture, and clothing in the event of a loss. Many policies may limit coverage amounts for some valuable items to $1,000. People who own valuable possessions may need broader coverage than a homeowner’s policy. One way to better protect your valuable items is through a personal article’s floater.

What is a Personal Property Floater?

A personal articles floater is a standalone insurance policy that allows you to schedule your high value items. This type of policy often comes without a deductible. It may also cover you for accidental breakage or even if the item is lost (no theft involved).

For example, if you have a pair of diamond earrings and you lose one of the earrings, this coverage will replace the set.

First and foremost, people generally think of jewelry when discussing a personal articles policy; however, these policies will cover more than just jewelry.

What Does Personal Property Insurance Cover?

Below is a list of other high-valued items that may be covered by personal property insurance:

  • Cameras
  • Silverware
  • Fine Art
  • Furs
  • Computers
  • Firearms
  • Musical Instruments
  • China / Crystal
  • Golf Equipment
  • Postage Stamps
  • Rare Coin Collection
  • Fine Rugs

You invested in these types of valuable items for a reason. Make sure that you are properly protected in the event of a loss. If you have any questions about what may be covered on a personal articles policy, please contact us at 1-800-642-3490 and we will be happy to discuss.

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