Past the homeowners sub-limit
A standard homeowners form caps jewellery, furs and similarly valuable categories at a token amount.
PAF
Jewellery, art, instruments, cameras and collections.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. A personal articles floater schedules the valuables a homeowners or renters policy caps: jewellery, art, instruments, cameras and collections. It adds broader perils, usually including mysterious disappearance, so a lost piece is covered as well as a stolen one. Cennairus places it for anything from a new engagement ring to a growing collection: we shop it.
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A standard homeowners form caps jewellery, furs and similarly valuable categories at a token amount.
Scheduled articles typically pay from the first dollar of a covered loss, including mysterious disappearance — the category homeowners forms handle worst.
An appraisal, a jeweler’s memo or a receipt is usually enough to start a schedule — our readers pull the description and value instead of someone typing each.
Scheduled items are typically covered wherever the client takes them, not only inside the residence the base policy insures.
Cover that replaces the token amount a homeowners form allows for valuables.
Appraisal documents parsed into a schedule instead of typed in item by item.
Scheduled articles that pay from the first dollar, including mysterious disappearance.
Who buys it: anyone who just bought or received an engagement ring; collectors of fine art, coins, stamps or wine; musicians scheduling instruments used professionally; photographers and videographers with owned equipment; households with inherited jewellery or heirlooms; renters and homeowners alike with one high-value item.
An appraisal already sitting in a drawer is usually enough to start the schedule — no one has to retype a jeweler’s memo line by line.
Homeowners and renters forms already include a modest baseline for these categories.
Generally yes — mysterious disappearance is a standard peril on most floaters, which is broader than the base policy’s named-peril approach to valuables.
Practice varies by carrier and category.
An appraisal, a recent receipt, or clear photographs with a description.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
