Under the inland marine insurance, musical instruments and fine art will likely be covered by which of the following?

Musical instruments and fine art are typically considered personal property that can be specifically covered under a personal article floater. This type of insurance provides additional coverage for high-value items that may not be fully protected under standard homeowners or renters insurance policies. The personal article floater is advantageous because it offers broader protection and covers the items against various risks, including theft, damage, or loss, regardless of where they occur.

General liability coverage is focused on protecting against claims of bodily injury or property damage to third parties and does not extend to personal belongings like musical instruments and fine art. Optional coverages might provide additional features or protections within a standard policy, but they are not as specific as a personal article floater. A surplus lines rider refers to coverage obtained from a broker who specializes in non-standard risks when the primary insurers will not provide coverage; it is not typically used for standard personal items like musical instruments or fine art.

In summary, the personal article floater is the correct choice because it is specifically designed to cater to valuable personal items, ensuring they receive appropriate coverage tailored to their unique value and risks.