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PERSONAL ARTICLE FLOATER

Surplus lines solutions to protect high-value items against loss, damage, and theft.
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SPECIALTY INSURANCE SOLUTIONS THAT OFFER ENHANCED PROTECTION FOR CLIENTS’ VALUABLE BELONGINGS

Standard Homeowners, Condo, and Renters Insurance policies often provide insufficient coverage for clients’ most prized possessions—from jewelry and antiques to furs and fine art. Through DeCotis Specialty Insurance, agents can secure a Personal Article Floater from AM Best A-Rated markets and broaden protection for clients’ items and collections that have significant financial worth.

Target Classes

FOR VALUABLE POSSESSIONS

We provide our agency partners with access to specialty insurance options for clients’ high-value personal items and collections including but not limited to:

  • Fine jewelry and watches
  • Engagement and wedding rings
  • Silverware, china, and crystal
  • Antique furniture
  • Fine art
  • Cameras
  • Musical instruments
  • Firearms
  • Furs and designer handbags
  • Comic books and baseball/sports cards
  • Gold and silver bullion
  • Stamps and coins
  • Wine and whiskey collections

Coverage Options

DeCotis offers surplus lines solutions to help agents tailor protection for each clients’ unique belongings and risks.

  • Agreed value loss settlement for scheduled items
  • Market value for Blanket Coverage up to $25,000 per item
  • Market appreciation up to 150% for qualified risks
  • Natural Catastrophe (Nat Cat) Peril Coverage
  • Worldwide Coverage
  • Full Transit Coverage

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • $10 million capacity for any one collection/any one location
  • Automatic coverage for new acquisitions up to 25% of a collection’s value
  • No class or item limits
  • Lower deductibles
A brochure for Decotis Specialty Insurance’s Personal Article Floater, featuring images of diamonds. It details coverage for jewelry, fine art, wine, and valuables, with highlights, flexible arrangements, and contact information included.
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SUBMISSION REQUIREMENTS

Download a Personal Article Floater Application and provide item descriptions and item appraisals and receipts (within three years of purchase). Send the application to: Quotes@DeCotis.com.

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A Personal Article Floater application form for insuring valuable items, with fields for agency details, applicant info, travel habits, and item coverage. Includes checkboxes, blank spaces for input, and the Decotis Specialty Insurance logo at the top.

GETTING A PERSONAL ARTICLE FLOATER QUOTE IS SIMPLE

Select one of the following options to request a quote for your client’s specialty insurance needs:

Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your clients may also require these products.

Home Insurance

Designed to help homeowners pay to repair, replace, or restore their house, belongings, or other structures on their property if damaged due to a covered event.

Learn More
Condo Owners Insurance

Provides individual condo unit owners, renters, and investors with essential Property and Liability Coverage that fills in the gaps left by the Condominium Association Insurance policy.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Responsive Support from Experienced Underwriters
  • Access to AM Best A-Rated Carriers
  • Flexible Underwriting Solutions for Unique Risks
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