Which policy offers blanket coverage for personal property while traveling?

The personal effects floater is designed specifically to provide coverage for personal belongings while traveling. This type of policy offers blanket coverage for items such as clothing, electronics, and other personal items that may be at risk of theft, loss, or damage during travel. It is particularly useful for ensuring that personal property is protected outside of the home or when in transit.

Homeowners insurance typically covers personal property, but it may have limitations when it comes to coverage outside the home or while traveling, often subject to specific deductibles and coverage limits. The personal articles floater generally provides coverage for specific high-value items, like jewelry or collectibles, but does not offer blanket coverage for a range of personal property while traveling. Commercial property insurance is intended for business-related property and does not apply to personal belongings. Therefore, the personal effects floater is the most suitable choice for travelers seeking comprehensive protection for their personal possessions.