Which policy offers blanket coverage for personal property while traveling?

The personal effects floater is designed specifically to provide coverage for an individual's personal belongings while they are away from their primary residence. This type of policy offers blanket coverage for a variety of items such as clothing, electronics, and other personal property during travel, regardless of their specific location.

Homeowners insurance typically covers personal property, but it is limited to the insured residence and does not extend to items outside of that location or offer comprehensive protection while traveling. The personal articles floater, on the other hand, is designed for specific items of value, such as jewelry or collectibles, and requires a detailed list and appraisal for coverage, rather than providing general blanket coverage. Commercial property insurance is intended for business property and does not apply to personal property of individuals while traveling.

Thus, the personal effects floater stands out as the policy that effectively meets the needs of travelers by offering blanket coverage without the limitations mentioned with the other options.