💎 Coverage for What Matters to You
A standard homeowners, renters, or condo policy only covers valuables like jewelry, art, or collectibles up to a certain limit—and often only for specific perils. That’s where a Personal Articles Floater (PAF) comes in.
This standalone or add-on policy provides broader protection for your most prized possessions, often with worldwide coverage, and without a deductible.
🛡️ What Can Be Covered?
If it’s valuable and unique, we can help protect it. Commonly insured items include:
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Engagement rings & fine jewelry
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Luxury watches
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Fine art & sculptures
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Antiques & heirlooms
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Firearms & rare collections
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Designer handbags & fashion
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High-end bicycles or sports equipment
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Musical instruments
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Cameras & electronics
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Rare books, wine, or memorabilia
If it’s meaningful to you and would be expensive to replace, ask us—there’s likely coverage available.
✅ Benefits of a Personal Articles Floater
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Broader Protection – Covers accidental loss, mysterious disappearance, and breakage—losses not typically covered under a standard home policy
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No Deductible – Most floaters are deductible-free for quicker and more complete claims
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Agreed Value – In many cases, you’ll know in advance exactly what you’ll be paid if an item is lost or stolen
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Worldwide Coverage – Your valuables are covered at home, while traveling, or even abroad
💡 Good to Know
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Most carriers require appraisals or receipts for high-value items
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You can schedule one item or many—customize the policy to your needs
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We can quote this as an endorsement on your homeowners policy or as a standalone floater
🙋 FAQ
Is this the same as contents coverage on my home policy?
No. Standard policies cover belongings only up to certain sublimits—and usually exclude accidental loss or mysterious disappearance. A floater gives you dedicated, broader coverage.
What if I lose an item while traveling?
PAF coverage usually applies worldwide. Whether something is stolen in Europe or lost in your backyard, you’re covered.
Can I cover a new item before I get an appraisal?
Some carriers allow temporary coverage with proof of purchase, but long-term coverage may require a recent appraisal. We’ll guide you through the process.
📞 Ready to Protect Your Valuables?
We’ll help you list, value, and properly protect the things that matter most. Whether it’s a single engagement ring or an entire collection, we’ll make sure it’s covered right.
Call: 805-328-5001
Email: chris@aecinsuranceservices.com