Personal Articles Floater
Coverage Available in 48 States
Types of Property

Personal items can have more than just sentimental value for your clients. With Insureon Solutions, you can quote multiple top-rated carriers for personal article floaters for your clients.

Covered items include:

    • Antique furniture
    • Audiovisual equipment
    • Baseball/sports cards
    • Bicycles
    • Billiard tables/gaming machines
    • Books
    • Cameras (Personal and Professional use)
    • Cigars
    • Coin collections/stamp collections
    • Comic books
    • Computers
    • Fine art
    • Furniture
    • Furs
    • Gold/silver bullion
    • Golf clubs
    • Guns (excluding gun liability)
    • Handbags
    • Jewelry
    • Medical equipment
    • Memorabilia
    • Musical instruments (Personal and Professional use)
    • Rugs
    • Silverware
    • Ski equipment
    • Tools
    • Watches
    • Wine collections

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Coverage Highlights

Coverage Highlights

  • Fully comprehensive for all risks of physical loss or damage cover, including accidental damage
  • Coverage available for wine collections
  • Worldwide coverage for items available
  • Replacement Cost coverage
  • No deductibles, available if desired

TIV and/or Coverage A range

  • Coverage Minimum: $50,000 any one collection
  • Coverage Max: Unlimited

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Eligibility Attributes

Eligibility

  • Minimum: $75,000 Dwelling, including condos
  • No more than two water claims in the past three years

Desirable Risk Profile

  • Homes with central burglar alarms
  • No loss history

Undesirable Risk Profile

  • Any commercial use items used to make a profit
  • Drones
  • Medical devices
  • Sporting equipment (outside golf clubs and firearms)
  • Items in transit

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