Personal Articles Floater
At our agency, we know that your personal belongings are an extension of you, and oftentimes, the things you hold onto the most are the items in which you’ve invested much time and money. The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions. All Homeowners policies have dollar value and type of loss limitations on certain types of property.
Personal Articles Floater (PAF) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.
The Personal Articles Floater broaden the coverage on these items. Specifically in the area of theft and mysterious dissappearance. For example when a gemstone comes loose from its fitting, a standard homeowners policy might not cover its loss but a Personal Articles Floater will.
Should you decide to add the premium protection of PAF Insurance, one of the specialists at our agency will work with you to determine the replacement cost of each item you would want to have insured.
The items you own are unique, which is why at our agency, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.