Personal Valuables

Do you have a priceless collection of coins or stamps? How about sports memorabilia, a precious piece of jewelry or an antique family heirloom? Many of you are misinformed in thinking that these items are fully covered under your homeowner policy when that is actually far from the truth. In fact, almost all homeowner policies contain wording that specifically reduces limits on items of value. Our office is better suited than any other to help you get the right protection for your most prized possessions. Why? Because it is our specialty. Through our sub division J.S.I.S., we can assist you in obtaining a policy specifically designed to insure your most valuable items against risks like earthquake, theft and burglary. Our policy offers extremely comprehensive and favorable wording in conjunction with some of the most competitive rates in the industry. Furthermore, we can offer you protection without any territorial limits meaning that you have coverage no matter where you are going, all over the world! Call us today for a quote or visit our sister website at for more detailed information.


Some items a Personal Article Floater policy may typically cover


  • Jewelry

  • Furs

  • Fine Art

  • Fine Rugs

  • Cameras or Computer Equipment

  • Musical Instruments

  • Silverware & Goldware

  • Golf Equipment

  • Gold Bullion

  • Collections (Coins, Stamps etc…)

  • Sports memorabilia or equipment


Personal Article Floater vs. Endorsements on a Homeowner Policy


A standard homeowner’s policy includes coverage for Target Items, (jewelry and other precious items such as watches and furs); these items are generally covered for losses caused by “named” perils included in your policy such as fire, theft, vandalism and malicious mischief.


Policyholders need to know that there are special limits of liability for target items, meaning that the insurer will not pay more than the amount specified in the policy. One important limit is for theft of jewelry. To keep coverage affordable, (because jewelry can be easily stolen), the standard policy has a relatively low limit of liability for the theft, generally $1,500.


If you own jewelry or other articles of high value, there are two ways you can increase coverage: by raising the coverage limits on the policy or by “scheduling” your individual pieces through the purchase of “floater” policies. Raising the coverage limit on the homeowner policy is usually the cheapest option; however, most companies will still have per item limits and an aggregate limit for the total insured value of the schedule. These limits may not allow adequate protection for your full collection of valuables or in some cases, even a particularly valuable single item.


Other Information


  • You can find more detailed information about Personal Article Floater policies at our J.S.I.S. sister website by clicking here

  • Personal Article Floaters can also be written as a separate policy with your homeowner insurance provider, depending on the carrier.

  • Proof of purchase or appraisals are generally required to bind policies.

  • Please visit our insurance glossary tab for a full list of insurance terms and definitions.

  • There are many discounts available to help reduce your premium. Please visit our learning insurance discounts page to find out more information on how to maximize your savings.

This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states and by carrier. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.


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