Which of the following is NOT a characteristic of personal articles floaters?

The characteristic that is not associated with personal articles floaters is that they are used for primary liability. Personal articles floaters are insurance policies designed to provide coverage for valuable personal items, such as jewelry, fine art, and collectibles.

These policies specifically address the need to insure high-value items that may not be adequately covered under a standard homeowners policy or renters insurance. The floaters allow for "blanket coverage," meaning they can cover multiple items under a single limit without needing to list each item individually.

However, they are not intended to provide primary liability coverage. Instead, they focus on protecting the items against risks such as loss, theft, or damage. Liability coverage is generally addressed through separate policies, such as general liability or homeowners insurance, rather than through personal articles floaters.