Personal Valuables – Insurance Floaters

Precious items may require special insurance.   Some items are irreplaceable.

Did you know home insurance policies include limits of insurance on many items?

  • jewellery
  • furs
  • watches
  • money
  • numismatic property
  • bullion
  • bikes
  • fine arts
  • antiques
  • wine

All policies are different.


A floater or blanket floater ( A type of insurance policy that covers property that is easily movable and provides additional coverage over what normal insurance policies do not) can be added to specifically insure items. Usually a floater is added to a home policy, a separate premium is charged and no deductible is applied if you have an insured claim.

For high net worth homeowners you should have a policy that offers higher limits and you should have options for scheduled floaters and blanket floaters.

If you are going to pay for additional insurance, you need to look for:

  • Worldwide coverage
  • No deductible
  • Breakage coverage
  • Pairs and sets
  • In-vault jewellery
  • Title defense
  • Commissioned work
  • Fine art or jewellery on loan or consignment
  • Agreed value – Appraisals
  • Blanket coverage

Here at Palladium we’ve got the right coverage options to help you keep your valuables properly protected. Click here to learn more and let us earn your trust.