What does inland marine coverage primarily protect?

Inland marine coverage primarily protects portable personal property, which refers to items that can be moved or transported easily, such as jewelry, art, electronics, and various other personal belongings. This type of insurance is designed to cover items that are not fixed to a particular location and may be exposed to risk while in transit or at different locations.

Inland marine policies address situations where conventional property insurance might not provide adequate coverage, particularly for items susceptible to theft or damage while being moved from place to place. This aspect of coverage makes it distinct from policies that focus on immovable entities like real estate properties, vehicles, or commercial buildings, which are covered under different types of insurance.