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Scheduled Articles

What is a scheduled articles floater and what does it cover?

A scheduled articles floater covers specific high-value items like jewelry, watches, cameras, musical instruments, sports equipment, and fine art. Each item is individually scheduled at its agreed or appraised value. Coverage typically includes mysterious disappearance (lost without knowing how), worldwide theft, and accidental damage. Items on a floater have no deductible in most cases. Standard homeowners policies cover these categories but with strict sublimits that rarely reflect actual values.

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