Which of the following losses would be excluded from coverage under a Personal Articles Floater?

In the context of a Personal Articles Floater, the coverage generally extends to personal property that is specifically listed and often includes a range of items such as jewelry, art, and electronics. However, there are certain circumstances and exclusions that are critical to understand.

When assessing which loss would be excluded, it's important to consider the nature of the item and the situation in which the loss occurred. Jewelry, specifically, is often heavily scrutinized when it comes to insurance coverage. If jewelry is stolen while in transport to an auction, it may not be covered by a Personal Articles Floater because the coverage could be contingent on the item being securely stored or being at the insured's residence. Transporting valuable items like jewelry to auctions can introduce risks that may not be covered under standard policies.

On the other hand, artwork, electronics, and china or crystal are usually covered under a Personal Articles Floater during various types of transit, provided they meet the policy conditions. The specifics of each policy will dictate the coverage limits and types of risks insured. Therefore, while jewelry transportation often has stricter conditions, the other items listed generally have broader protections under the typical policy structure.

Understanding these nuances can help a policyholder or an adjuster recognize the specific conditions under which claims