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Homeowners Insurance FAQs

What Is A Personal Article Floater?

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  • A Personal Article Floater is a specialized form of insurance that covers personal property which is listed piece by piece in an attachment to the policy.
  • A Personal Article Floater is an all risks type policy. A Personal Article Floater can be used to insure all kinds of personal property such as jewelry, furs, cameras, musical instruments, silverware, golf equipment, fine arts, stamps, coins, and other valuables.
  • Coverage under a Personal Article Floater is for an agreed amount. When you take the coverage, you provide the value of each item. Subject to your proving that the amount you stated was indeed the worth of the item, the insurance company pays the agreed amount in the event of a loss.
  • A personal articles floater cannot be used to insure currency, deeds, promissory notes, money or securities.


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