If you own valuable, rare or irreplaceable items, such as collectibles or antiques, you may prefer the comprehensive protection offered by the Personal Articles Floater.
In case of a covered loss, this specialized coverage allows you to recover the value of an item (based on a recent appraisal or bill of sale). This policy provides coverage for Jewelry and Fine Arts at an amouunt you and your insurance company agree upon. For other items, the policy provides either actual cash value, cost to repair, cost to replace or up to the insured amount, depending on what happens to the item and its current value.
The Personal Articles Floater is the right policy for people who have carefully selected and invested in items with values exceeding the limits of a homeowners policy.
Common items that should be insured on a Personal Articles Policy include Coin Collections, Antiques, Stamp Collections, Furs, Jewelry, Musical Instruments, Firearms, and other unique or valuable personal property.
By choosing Hometown Insurance Agency, you have an Independent Insurance Agent who is working for you. We believe that your satisfaction with your insurance is of the utmost importance. We can help you decide on the right coverage for the items that you value most. So whatever your insurance needs, please don’t hesitate to call our office today at (631) 589-0100.