Personal Article Floaters
A Little Extra Protection for the Items You Treasure Most
Some things aren’t replaceable. Whether it’s your engagement ring, a piece of heirloom jewelry, a luxury watch, or that new camera you’ve been dreaming of and finally purchased, your most cherished items may need more protection than your standard homeowners or renters policy provides.
A personal article floater offers protection on those precious items that need something special.
What Is a Personal Article Floater?
A personal article floater is an optional insurance add-on that provides additional coverage for high-value personal items that may not be fully protected under a standard homeowners or renters policy. This type of coverage is designed for specific valuables and helps ensure they’re insured for their full value, whether lost, stolen, or damaged.
Protecting Your Valuables: Why Talking to Your Agent Matters
Your insurance is meant to grow with you, so when life changes it’s a good idea to check in with your agent. Maybe you have recently gotten engaged, you are celebrating a milestone, or finally splurging on a piece of art, a Personal Article Floater is a simple way to add extra protection to individual high-value items.
Commonly Protected Items in Need of Personal Article Floaters
Your valuables are more than just things—they’re personal, meaningful, and often irreplaceable. That’s why it’s important to make sure they’re properly documented and protected. We’ll work with you to ensure your most cherished items are covered the right way.
Here are a few types of items that often require additional coverage:
- Wedding and engagement rings
- Jewelry and watches
- Fine art and collectibles
- Cameras, musical instruments, and other valuable hobby items
- High-end electronics and sports equipment
- Designer handbags and luxury accessories
Not sure if something you own qualifies? It’s always worth asking. Your independent insurance agent is here to help you explore your options and find the right coverage for your unique needs.
How to Get Started with Personal Articles Floater Coverage
Adding extra protection for your high-value personal items is easier than you might think. Here’s how to get started with personal articles floater coverage:
- Make a list of any high-value items you’ve recently purchased or received as gifts.
- Gather receipts or appraisals to help us confirm the value of each item.
- Reach out to us by phone or by filling out the form on our contact page—we’ll walk you through the next steps with ease.
Personal Article Floaters: Protecting What is Priceless
Some things simply can’t be replaced. A personal articles floater helps ensure your most valuable belongings are covered beyond what a standard homeowners policy provides. At Quaint Oak Insurance, we’re here to make sure your coverage reflects the full value of what matters most to you. If you’re unsure whether an item qualifies or how to get started, we’re just a conversation away.
Let’s review your policy together and make sure your items are fully protected. Contact our team to schedule a review of your personal articles coverage today.