One very large advantage to insuing unique and unusual items on a personal property floater is that this policy provides broader coverage than provided by the contents coverage in your homeowners policy. This adds special emphasis to insuring items that, while there is no specific limit in the policy, may be subject to loss from perils that the personal property section of you policy does not provide.
An example might be fine arts, such as a Hummel collection. These fine arts items are especially susceptible to breakage, yet the named perils coverage found in the homeowners policy provides no coverage for simply dropping and breaking your piece of fine statuary.
Some other items with special limitations in the homeowners policy you might seek a higher limit under the personal property floater include jewelry, precious and semi-precious stones, furs, guns and silverware, to name a few. While this is an incomplete list, it demonstrates why certain items are limited separately in the policy because of their uniqueness. The modern homeowners insurance policy is written in easy-to-read language the average person can review.
If you are unsure about your coverage after personal review of your policy, contact our office so we can work on this together.