CA-Expanded Personal Inland Marine Insurance

Precious Metals The precious metals most commonly used to make valuable jewelry are gold, silver, and platinum. Gold Gold is probably the oldest precious metal. For years, gold has been…

Jewelry Coverage Jewelry may be covered under a personal articles floater or a single-purpose jewelry floater. Jewelry typically refers to articles of personal adornment composed in whole or in part…

Applicant’s Personal Character When providing jewelry coverage, an underwriter commits the insurer to pay large claims on small items that can be reported as lost or stolen. It is often…

Furs Like many other categories of personal property, furs may be covered under either a multipurpose personal articles floater that can also cover other articles or a single-purpose fur floater.…

Cameras Camera coverage may apply to a broad range of photographic equipment, including more than traditional picture-taking devices. Camera coverage may be written, for example, on such items as projectors,…

Musical Instruments Musical instruments are often high-valued items exposed to theft and other perils resulting from their transportation and use. Instruments are made of a variety of materials, in a…

Silverware The typical American family, for whom the standard homeowner’s policy was designed, drinks coffee rather than tea, eats with stainless steel flatware, and keeps its food in glass or…

Golf Equipment Coverage Apart from bicycles, golfer’s equipment is the only category of sports equipment specifically eligible for coverage under either a personal articles floater or a specific filed personal…

Fine Arts Exposures Art cannot precisely be defined, nor is it possible to define precisely what art is “fine.” According to the 1976 nationwide marine definition, fine art coverage should…

Stamp and Coin Collections Exposures The philatelic property found in stamp collections typically includes postage stamps, although some include other types of stamps. A collection might also include envelopes bearing…

Bicycle Exposures In many countries, bicycles are used as a primary means of transportation. In the United States, many consider riding a bike a form of recreation. High values are…

Personal Effects Floaters Personal effects coverage is designed to provide “all-risks” (open perils) worldwide coverage on a blanket basis for property that an insured might carry while traveling. Personal effects…