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Personal Articles Floater

All risk, worldwide coverage for valuables and collections, including jewelry, fine arts and other miscellaneous items.

Collection Categories

Category Types of Items
Jewelry Anklets, bracelets, cuff links, earrings, necklaces, pendants, rings, watches and other jewelry items.
Fine Arts (fragile, non-fragile, unscheduled) Antiques, books, china, crystal, collectibles, fine arts, furniture, glass, lithographs, mirrors, rugs, tapestries, paintings, pictures, sculptures. Both Fragile and non-fragile fine arts are eligible.
Furs Furs
Cameras * Cameras, projection machines and audio visual equipment for personal use. Professionally used items are not eligible.
Sporting Equipment * Non-professional use of sporting equipment such as golfer’s equipment and other sporting equipment.
Musical Instruments (non-professional) * Pianos and other musical instruments used personally and predominantly at the residence. Professionally used and touring instruments are not eligible.
Silverware Silverware and related items.
Postage Stamps Postage Stamps and related items.
Rare Coins & Collections Coins (including gold and silver), baseball cards, comics, LP’s and other similar collections.
Computers & Media * Computers, laptops, and media for personal use. Professional/business used items are not eligible.
Wine Wine and similar collections of alcohol.
Golf Carts * Golf Carts
Guns/Firearms Guns and firearms that are part of a collection.
Bicycles * All types of bicycles
Other Miscellaneous Items Valuables and collections that do not fit into the above categories.

* Scheduling under these categories requires either jewelry or fine arts items be scheduled.


Coverages available through the Personal Articles Floater program:

Coverage Automatically Included Can be increased
(for an additional premium)
All Risk CoverageIncludedn/a
Transit CoverageIncludedn/a
Worldwide CoverageIncludedn/a
Unscheduled Jewelryn/aup to 25,000
Unscheduled Fine Arts (no maximum per item)n/aup to 25,000
Unscheduled Fine Arts ($5,000 maximum per item)n/aup to 100,000

Additional Information

Blanket Coverage

Blanket coverage is allowed for jewelry and fine arts subject to the following:

  1. For blanket jewelry, scheduled jewelry is required and the scheduled jewelry limit cannot be less than the blanket jewelry limit.
  2. Blanket fine arts requires either scheduled fine arts or scheduled jewelry.


A central station alarm is required for schedules of 100,000 or more in value.

A permanently installed non-portable safe is required for schedules with 100,000 or more of jewelry.

The above are not warranties on the policy but are requirements to obtain coverage.

Large Collections of Homogeneous Items

For risks with large schedules of wine, a single aggregate line item can be scheduled with the following as an example:

"1,000 bottles of wine not to exceed $500 per bottle."

The same technique may be used for large collections of baseball cards, stamps, coins, etc.

Not Available Under this Program

The following is not available under this program:

  1. A lower rate for keeping jewelry items in a bank vault.
  2. Blanket coverage for personal property. (i.e. a Personal Property Floater)
  3. Coverage for items only while in storage (if some of the items are in storage, there is coverage, but we are not looking to cover schedules with 100% of items in storage).
  4. Coverage for hearing aids.
  5. Coverage for guns, musical instruments and bicycles unless accompanied by an extensive jewelry and/or fine arts schedule.
  6. Retail stores, restaurants and dealers.

Eligible States

The Abacus Personal Articles Floater program is currently available for clients located in the indicated states. Hover over each state for a list of lines of business available.

The content displayed on this website is for informational purposes only and is not an offer for insurance. To apply for insurance, contact your broker.
Coverages referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by state.

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