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Understanding Personal Floaters for Guns and More

By June 1, 2023August 31st, 2023No Comments

In our ever-changing world, it’s crucial to protect the things we value most. While homeowners or renters insurance typically cover personal property, some items require additional coverage to ensure adequate protection. One such category is personal floaters, designed to safeguard valuable possessions like guns and other high-value items. In this blog post, we’ll explore the importance of personal floaters and why they are essential for securing your valuable possessions.

  1. The Need for Additional Coverage:
    Certain items, such as firearms, jewelry, artwork, or collectibles, often surpass the coverage limits provided by standard homeowners or renters insurance policies. Personal floaters bridge this gap by offering additional coverage specifically tailored to the value and uniqueness of these possessions. They provide a financial safety net in case of loss, theft, or damage, ensuring you’re adequately protected.
  2. Customized Coverage for Guns:
    If you’re a firearm owner, you understand the significance of responsible ownership and protection. Personal floaters for guns provide specialized coverage that goes beyond what standard insurance policies offer. These policies can cover various scenarios, including theft, accidental damage, and even liability protection in case of firearm-related incidents. With personal floaters, you can have peace of mind knowing your firearms are safeguarded.
  3. Valuable Collections and Artwork:
    Whether you have a prized collection of rare coins, valuable artwork, or antique furniture, personal floaters can help protect these high-value possessions. They offer comprehensive coverage against theft, damage, or loss, considering the unique value and significance of your collection. With personalized coverage, you can enjoy your treasured items without worrying about their safety.
  4. Expanding Beyond Guns and Collectibles:
    Personal floaters extend their coverage to various other valuable possessions. From high-end camera equipment and musical instruments to sports equipment and luxury watches, these policies ensure your cherished belongings are adequately insured. By evaluating the value and importance of your possessions, you can determine the need for personal floaters and secure the necessary coverage.
  5. Consult with Insurance Professionals:
    Understanding the intricacies of personal floaters and selecting the right coverage can be challenging. That’s why it’s crucial to consult with experienced insurance professionals like the team at Palacio Miller Agency. We have the expertise to guide you through the process, assess your unique needs, and provide tailored solutions to protect your valuable possessions.


When it comes to safeguarding your prized possessions, personal floaters offer specialized coverage that goes beyond standard insurance policies. Whether it’s guns, valuable collections, or other high-value items, these policies provide the protection and peace of mind you deserve. Reach out to Palacio Miller Agency today to explore your options and ensure your most valuable possessions are adequately insured.