Scheduled Personal Property Endorsement: This endorsement is sometimes called a "personal article floater. The personal property limit is usually a percentage (e.g.INSURE or fill in the form below to receive a Mass insurance policy quote for your personal auto, home, life or business coverage. Coverage is available for real or tangible personal property at a fixed location in the Commonwealth of. Massachusetts. Personal property insurance helps pay to repair or replace the things you own after a covered loss, like a fire or theft. The Association currently requires a certified appraisal, (i.e. ; GIA, AGS, AGA) or a bill of sale. Property that is not real estate is personal property and must be reported. Liberty Mutual understands the needs of Massachusetts homeowners and offers customized homeowners insurance coverage to fit your specific situation. Tangible personal property of Massachusetts insurance companies. 4.