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