What is the difference between a scheduled articles floater and a standalone jewelry policy?

A scheduled articles floater is added to your existing homeowners or renters policy and covers specifically listed items for their scheduled appraised value. A standalone jewelry policy (from Jewelers Mutual) is a separate policy covering your collection independently. Standalone is better for higher-value collections, clients who want no homeowners policy involvement at claims time, and situations where the homeowners carrier has breed exclusions complicating claims. We recommend scheduled articles for most Georgia clients and standalone for collections above $15,000.