What items can be scheduled on an articles floater?
A personal articles floater lets you schedule, or specifically list, high-value possessions so they are covered for their full appraised value with broader protection than your base homeowners insurance policy provides. Standard policies cap how much they pay for many valuable categories, and a floater removes that ceiling for the items you list.
Commonly scheduled items include:
- Engagement rings, wedding bands, and fine jewelry
- Watches and loose or set gemstones
- Furs and designer accessories
- Fine art, antiques, and collectibles
- Firearms and coin or stamp collections
- Cameras and professional photography gear
- Musical instruments
- Silverware and high-end electronics
The big advantages of scheduling are higher limits, often no deductible, and broader coverage that includes accidental loss and mysterious disappearance, not just theft and fire. For example, if you schedule a $6,000 wedding ring and lose the stone while gardening, a floater can cover it, while a standard policy likely would not.
Most scheduled items require a recent appraisal or a detailed receipt so the value is documented up front. That documentation also speeds up a claim, since the agreed value is already on file.
If you own anything of real value, scheduling it is an affordable way to close a common coverage gap. Want help identifying which of your belongings should be scheduled? Get a free coverage review today.