A Better Understanding of Floater Insurance

understanding floater insurance

Unlike a general homeowners insurance policy, floater insurance is not necessarily something that every homeowner needs. Nevertheless, it is something that every homeowner should consider, particularly if they have one or more especially-valuable possessions that they wish to fully protect against damage or loss. To learn if floater insurance can help you achieve more peace of mind, speak with your independent insurance agent, Jeff Van Matre, today by calling or visiting our Carrollton, TX, office.

What Exactly is Floater Insurance?

Floater insurance is an addition to your regular homeowners insurance, and covers one or more specific items for a pre-determined value. The term “floater” stems from the fact that the items can typically be moved about or transported to another location with relative ease. While home insurance can insure most of the belongings inside of your home, some possessions may be too valuable to be grouped with the rest, and should be protected with an adequate floater policy.

Floater FAQs

What can I insure under floater insurance?

What your floater insurance includes will be specific to your unique needs, but common items included under such a policy can include;

  • Antiques
  • Record, art, card, coin, and other valuable collections
  • Jewelry
  • Valuable paintings
  • Sculptures
  • Furs, designer dresses, handbags, etc.
  • Expensive electronics
  • And more

How do I know if it’s a good idea to obtain floater insurance?

Rather than guess, you can make sure if obtaining additional coverage is a good idea by speaking personally with your independent insurance agent. After a one-on-one consultation, we can better determine if floater insurance is a good idea, and what should be included in the policy to offer you the utmost protection for your most-treasured personal possessions.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, or to get a free quote,  call our Carrollton office today at 972-492-8500.