Which of the following items would typically be covered under personal property floater?

A personal property floater is designed to provide coverage for high-value items that may not be fully covered under a standard homeowners or renters insurance policy. This type of coverage is particularly useful for items that are valuable, unique, or frequently taken outside the home.

Collectible items are a prime example of what typically falls under this category. They often have significant value and may require additional protection beyond what a standard policy offers. Collectibles can include art, antiques, stamps, coins, and other specialized items for which coverage limits are necessary to reflect their actual value. Since these items can be more susceptible to loss, theft, or damage, a personal property floater is well-suited to provide comprehensive protection.

In contrast, household appliances, furniture, and real estate generally do not require a personal property floater because they are more commonly covered under standard homeowners or renters insurance policies. These items typically fall within the coverage limits of such policies and do not present the same level of risk or value as collectibles. Thus, the focus of a personal property floater is on specialized items that need tailored coverage.