What kinds of items can I schedule on an articles floater in Georgia?

Almost any high-value personal item that your standard policy limits can be scheduled on an articles floater in Georgia. The idea is to give your most precious possessions full, named protection instead of the small sub-limits a base policy applies.

Commonly scheduled items include:

• Jewelry such as engagement rings, watches, and heirloom pieces.
• Fine art and original paintings.
• Furs.
• Firearms and gun collections.
• Cameras and professional photography gear.
• Musical instruments, from guitars to pianos.
• Collectibles like coins, stamps, and trading cards.
• Silverware and antiques.

To schedule an item, you usually provide proof of value, such as a recent appraisal or a detailed receipt. The insurer then assigns it an agreed value, and that item is covered against nearly any loss, often with no deductible and even for accidental damage or simply losing it. For fast-changing categories like gold jewelry or fine art, it is wise to update the appraisal every few years so the scheduled value keeps pace with the market.

For example, a Georgia collector with a $20,000 coin collection would find a typical homeowners policy caps coin coverage at just $200 for theft. Scheduling the collection insures the full $20,000, and the added premium is usually a small fraction of the collection’s value each year.

If you own valuables that exceed your policy’s built-in limits, an endorsement to schedule them is well worth it. Request a free coverage review and we will identify which of your items belong on a floater.