What type of property does a personal articles floater typically cover?

A personal articles floater specifically provides coverage for valuable personal items that are often excluded from standard homeowners insurance policies. This includes items like art, jewelry, collectibles, and other high-value personal belongings. The coverage is tailored to protect these items against risks such as theft, loss, or damage, offering a level of financial security for specific valuable possessions.

Household appliances, vehicles, and real estate fall outside the typical scope of a personal articles floater. Household appliances are generally covered under homeowners or renters insurance policies, vehicles require auto insurance for coverage, and real estate is covered through property insurance policies that specifically address buildings and structures, not through a personal articles floater. Therefore, the focus on art and jewelry as the correct answer highlights the specialized nature of the coverage provided by this type of insurance.