It goes by many names—“personal inland-marine coverage,” “personal article floater” and “scheduled personal property.”

No matter what you call it, just do not forget to call it to the attention of your personal-insurance clients. Inland-marine coverage is an important part of the personal-insurance portfolio that is often overlooked by many agents and consumers.

Yes, it is true that most homeowners insurance policies cover damage to personal property including jewelry, furs and electronic equipment. But these policies almost always limit the amount of coverage for certain types of property and the perils covered.

By asking the right questions and properly evaluating the coverage needs of your clients, you can easily educate them on the value of inland-marine coverage.

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