Services
Personal Articles Floater
Protect Your Most Valuable Possessions — With Coverage That Goes Beyond Standard Policies
Your jewelry, fine art, collectibles, musical instruments, and other prized possessions deserve more than the typical limits and restrictions of homeowners or renters insurance.
At Venture Insurance Partners, we help Florida residents safeguard their valuables with Personal Articles Floater insurance — specialized coverage designed to protect your treasured items against loss, theft, or damage wherever you go.
What Is Personal Articles Floater Insurance?
A Personal Articles Floater (PAF) is a specialized insurance policy that provides scheduled, high-value coverage for individual items or collections that exceed the limits of your standard home or renters insurance.
Commonly covered items include:
- Fine jewelry & watches
- Engagement and wedding rings
- Designer handbags
- Fine art & antiques
- Collectibles (coins, stamps, memorabilia)
- Musical instruments
- Furs & high-end clothing
- Cameras & photography equipment
- Silverware & other valuable household items
Why You Need It in Florida
- Standard homeowners/renters policies usually have low coverage limits on valuables (often $1,500–$2,500 max per category).
- Florida’s high theft and hurricane risk means your valuables are more vulnerable.
- Scheduled coverage means agreed value protection—no depreciation or surprise deductions.
- Coverage applies worldwide—your valuables are protected at home, on vacation, or even in transit.
- Includes protection from risks like accidental loss, mysterious disappearance, and damage that standard policies often exclude.
How Personal Articles Floater Works
- Schedule your items by appraising and listing each valuable, including serial numbers and descriptions.
- Agree on the value with your insurance company—this is the amount you’ll be reimbursed in the event of loss.
- Receive specialized coverage tailored to each item’s value and risk profile.
- Peace of mind knowing your most precious possessions have dedicated protection beyond standard limits.
Why Florida Clients Choose Venture Insurance Partners
- Local expertise in Florida’s unique risks like hurricanes, flooding, and theft.
- Access to multiple specialty carriers that understand high-value item coverage.
- Personalized service to guide you through appraisals, scheduling, and claims.
- Flexible policy options that fit your lifestyle and budget.
- Fast claims handling so you can recover your losses quickly.
Who Needs Personal Articles Floater Insurance?
- Homeowners with expensive jewelry, watches, or art
- Renters with high-value collections or equipment
- Musicians with valuable instruments
- Collectors of coins, stamps, or memorabilia
- Anyone with valuables exceeding standard policy limits
Your Valuables Deserve Dedicated Protection
At Venture Insurance Partners, we know your valuables are more than things—they’re memories, investments, and treasures. Let’s protect them with the coverage they deserve.
