To best protect a client's personal property, agents need to be fully aware of the types of coverage offered by a personal articles floater, as well as help clients choose the appropriate limit and tailor the insurance to the specific type of property that is going to be on the policy.

Although personal article floaters generally may be viewed as coverage to protect very expensive items–such as furs, jewelry and art collections–it's not only high-value property that may need to be scheduled. Scheduled coverage may be appropriate for unique objects–such as a stamp or coin collections, portable property (like cameras and equipment), or fragile articles (such as statuary).

A traditional homeowners policy covers unscheduled personal property and specifically limits special classes of property–such as theft of jewelry–at $1,500. An insured can obtain higher limits for these classes of property and others with a floater.