Rhode Island Insurance Adjuster Exam

Can golf clubs be included in a Personal Articles floater?

1. No, they are excluded

2. Yes, they can be included

3. Only if insured separately

4. Yes, but only in certain conditions

The correct answer is: Yes, they can be included

Golf clubs can indeed be included in a Personal Articles floater, which provides coverage for specific personal property on an open-perils basis. This type of insurance is designed to cover items that may exceed the limits of a standard homeowners’ policy, offering broader protection against loss or damage. Including golf clubs in a Personal Articles floater allows for their value to be insured without limiting coverage to the typical risks covered by a homeowners’ policy. This is particularly beneficial for expensive equipment, such as high-end golf clubs, that might require additional protection. Coverage under a Personal Articles floater typically means that the insured items are protected against a wide range of perils, including theft, accidental damage, and loss. Furthermore, it is important to note that while certain items may require separate policies or riders in other contexts, golf clubs are explicitly eligible for coverage under this type of floater. Thus, the answer acknowledges that a Personal Articles floater can adequately insure golf clubs, providing insurance holders peace of mind regarding their valuable sports equipment.