Personal Articles

In the insurance world, items like jewelry, artwork, musical instruments and other personal articles qualify as “Inland Marine Exposures”.     

Since not all individuals have these needs, homeowner insurance carriers base their policies on limited coverage for these types of items. In most cases, individuals can add these items to a homeowner policy or, in special cases, obtain a separate policy called a Personal Articles Floater, or Inland Marine Policy, to cover the need.