personal property floater

简明释义

个人移动财产保险

英英释义

例句

1.Before traveling, I added a personal property floater to ensure my laptop was covered in case of theft.

在旅行之前，我增加了一个个人财产浮动险以确保我的笔记本电脑在被盗时也能得到保障。

2.If you own valuable collectibles, consider getting a personal property floater to protect against loss or damage.

如果你拥有有价值的收藏品，考虑购买一个个人财产浮动险以防止损失或损坏。

3.The personal property floater provides additional coverage for items like cameras and electronics that are often excluded from regular policies.

这个个人财产浮动险为相机和电子设备等通常不包括在常规保单中的物品提供额外保障。

4.I purchased a personal property floater to cover my expensive jewelry that isn't fully protected under my standard homeowners insurance.

我购买了一个个人财产浮动险来覆盖我昂贵的珠宝，这些珠宝在我的标准房主保险下并没有得到充分保护。

5.After moving into my new apartment, I realized I needed a personal property floater for my art collection.

搬进新公寓后，我意识到我需要为我的艺术收藏品投保一个个人财产浮动险。

作文

In today's world, protecting one's assets is more important than ever. Many individuals invest in various types of insurance to safeguard their belongings, but not all policies cover everything comprehensively. This is where a personal property floater comes into play. A personal property floater is an additional insurance policy that provides coverage for personal items that may not be fully protected under standard homeowners or renters insurance. It is particularly useful for individuals who own high-value items such as jewelry, art, collectibles, and electronics.When considering the need for a personal property floater, one must first evaluate what possessions are at risk. Standard insurance policies often have limits on the amount they will pay for specific categories of items. For example, a typical homeowners insurance policy might only cover up to $1,500 for theft of jewelry. If you own a valuable necklace worth $5,000, you would suffer a significant loss without a personal property floater. This specialized coverage can help bridge the gap between what is covered by standard insurance and the actual value of your possessions.Moreover, a personal property floater offers worldwide coverage, meaning that your items are protected no matter where they are. Whether you are traveling abroad or simply taking your laptop to a coffee shop, a personal property floater ensures that you are financially safeguarded against loss or damage. This feature is especially appealing to frequent travelers or those who carry expensive equipment regularly.It's also important to note that a personal property floater typically covers a broader range of risks than standard policies. While homeowners insurance may exclude certain types of damage, a personal property floater often includes protection against accidental loss or damage, which can be crucial for fragile or high-value items. For instance, if you accidentally drop and break a valuable vase, a personal property floater could provide the necessary compensation, whereas standard insurance might not.To obtain a personal property floater, individuals usually need to provide a detailed list of the items they wish to insure, along with their appraised values. This process can help policyholders understand the true worth of their possessions and ensure they have adequate coverage. Additionally, premiums for a personal property floater are generally reasonable, making it an accessible option for many people looking to protect their valuables.In conclusion, a personal property floater is an essential tool for anyone looking to secure their high-value possessions against unforeseen events. By offering extended coverage, worldwide protection, and a broader range of risks, it fills the gaps left by standard insurance policies. As our lives become increasingly intertwined with valuable personal items, investing in a personal property floater can provide peace of mind and financial security. Therefore, it is wise to consider this type of insurance as part of a comprehensive approach to asset protection.

在当今世界，保护个人资产比以往任何时候都更为重要。许多人投资于各种类型的保险，以保护他们的财物，但并非所有的保单都能全面覆盖。这时，个人财产浮动险就发挥了作用。个人财产浮动险是一种附加保险政策，提供对个人物品的保障，这些物品可能没有在标准的房主或租户保险下得到充分保护。对于拥有高价值物品的人而言，比如珠宝、艺术品、收藏品和电子产品，这种保险尤为有用。在考虑是否需要个人财产浮动险时，首先要评估哪些财物面临风险。标准保险政策通常对特定类别物品的赔偿金额有限制。例如，典型的房主保险政策可能只会赔偿高达1500美元的珠宝盗窃损失。如果你拥有一条价值5000美元的项链，在没有个人财产浮动险的情况下，你将遭受重大损失。这种专业的保险可以帮助弥补标准保险所覆盖的内容与实际财物价值之间的差距。此外，个人财产浮动险提供全球范围内的保障，这意味着无论你的物品在哪里，都受到保护。无论你是在国外旅行，还是只是把笔记本电脑带到咖啡馆，个人财产浮动险都确保你在遭受损失或损坏时得到经济保障。这一特性对频繁旅行或经常携带贵重设备的人尤其具有吸引力。还需注意的是，个人财产浮动险通常涵盖的风险范围比标准保单更广泛。虽然房主保险可能会排除某些类型的损坏，但个人财产浮动险通常包括意外丢失或损坏的保护，这对于易碎或高价值物品至关重要。例如，如果你不小心掉落并打破了一只珍贵的花瓶，个人财产浮动险可能会提供必要的赔偿，而标准保险可能不会。为了获得个人财产浮动险，个人通常需要提供他们希望投保物品的详细清单以及其评估价值。这个过程可以帮助保单持有人了解他们财物的真实价值，并确保他们拥有足够的保障。此外，个人财产浮动险的保费通常是合理的，使其成为许多人保护贵重物品的可行选择。总之，个人财产浮动险是任何希望确保其高价值财物免受不可预见事件影响的重要工具。通过提供扩展保障、全球保护和更广泛的风险范围，它填补了标准保险政策留下的空白。随着我们生活中越来越多地与贵重个人物品交织在一起，投资于个人财产浮动险可以提供心理安慰和财务安全。因此，明智地将这种类型的保险视为全面资产保护的一部分是非常重要的。