Which type of policy would offer coverage for a specialized collection such as art or antiques?

A Personal Floaters Policy is specifically designed to provide coverage for items that are not fully covered by standard homeowners insurance. This makes it particularly suitable for specialized collections like art or antiques.

Homeowners insurance typically covers personal property but often contains limits on high-value items, especially collectibles like fine art or rare antiques. As such, while it may offer some degree of coverage, it often falls short for items of significant value or specialized interest.

A Business Owners Policy primarily covers businesses and their property. This type of policy generally focuses on commercial interests rather than personal collections, which makes it inadequate for individual collectors looking to insure specific personal items.

General Liability Insurance is focused on legal liability rather than property coverage. It protects against claims for bodily injury or property damage to third parties but does not provide coverage for personal collections.

In summary, the Personal Floaters Policy is the most suitable option for insuring specialized collections, as it offers the necessary limits and coverage tailored to high-value items like art and antiques.