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.

Tags: , , , , , , , , , , , ,


    Use this form to contact us, or to begin the quoting process.

    We value your privacy. The information will only be used
    to follow upon your request. That’s a promise!


    I would like a quote to insure my:
    Privacy Policy Disclosure © Palladium Insurance 2022 Website Design & Development by Xactly Design & Advertising

    COVID-19 Important Update:

    Palladium is serious about the health and safety of its employees, and clients. Accordingly, we have been instructed to limit non-essential, in-person meetings. While our offices remain open, we ask that you please make an appointment before arriving. Many of our employees have chosen to work remotely, and by making an appointment you ensure that your broker will be available (and present) to meet with you. Please note that all public health guidelines must be followed including without limitation, the wearing of face masks, social distancing, and completion of our COVID screening questionnaire.