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Personal Articles Floater

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Home Auto . Home . Renters Personal Articles Floater

Personal Articles Floater

Auto - Home - Renters - Personal Articles Floater

So, your home and car are insured. That’s good! How about your expensive jewelry, furs or priceless antiques? Do you have a valuable stamp collection? Expensive coins? A gun collection? Then, you need a personal articles floater policy. These policies provide coverage above the limitations on your homeowner policy for personal belongings, with a few requirements as well.  Depending on your carrier, an appraisal is required for items over a specific dollar amount.

Why should I get this policy?

Why would you want to purchase this type of a policy?  This type of policy provides additional benefits for specifically covered items. Suppose that a $20,000 diamond engagement ring gets lost or chipped while honeymooning in the Caribbean. If insured, the personal articles floater policy will cover the cost of repair or replacement. These policies, or “floaters,” although very different, generally share four common characteristics:

  • The coverage can be tailored to insure a specific type of property
  • The insured can select the appropriate policy limit for the property
  • Floaters are typically written on an all risk basis, so all direct physical losses to property are covered unless they are specifically excluded on the policy
  • Most floaters cover property anywhere in the world, however fine arts are typically only covered in the United States

FAQ'S

What are Personal Article Floaters?

A Personal Articles floater is used to insure valuable personal property that often requires more coverage than what is provided by an insured’s homeowner policy, due to various exclusions and limitations on homeowner coverage.

If my $15,000 engagement ring is chipped, will this policy cover it?

Yes, one of the benefits of having this type of policy is coverage for normally excluded perils, such as damage to a ring.

What do I need to provide in order to get this coverage?

A recent (within 3 years) appraisal along with a detailed description and pictures of the items to covered.

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Click on the coverage to learn more.

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Personal Articles Floater

Wedding/Special Event Coverage

Carriers

nationwide
progressive
chubb
usli
aic
travelers
the Philadelphia contributionship
asi
aarp and the hartford
grange
berkshire hathaway
national general

CONTACT US

Address

4433 Brookfield Corporate Drive, Suite A, Chantilly, VA 20151

Phone Number

Phone: 703.961.8886
Fax: 703.961.8887

Email Address

info@questinsurance.us

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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