Your standard homeowners or renters policy has sub-limits on valuable items like jewelry, fine art, firearms, and collectibles. A personal article floater (PAF) provides full coverage for these items at their appraised value.
A personal article floater is an add-on or standalone policy that covers specific high-value items for their full appraised value. Unlike your homeowners policy, which may cap jewelry coverage at $1,500, a floater insures each item individually with no deductible and broader coverage including accidental loss.
Engagement rings, watches, fine art, wine collections, firearms, musical instruments, camera equipment, and other high-value personal property. Each item is scheduled on the policy with its own appraised value.
We'll need a recent appraisal for each item you want to insure. From there, we'll shop carriers to find the best combination of coverage and price. Most floaters have zero deductible and cover loss, theft, damage, and mysterious disappearance.
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