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Personal Insurance / Property Insurance / Supplemental Insurance / Special Limits Insurance

Special Limits Of Insurance


Understanding Your Policy

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What You Don’t Know Can Hurt You

If you’re a home or condo owner, or possibly a renter, chances are you’ve taken out an insurance policy on your property. Are you aware that your policy contains limits on how much money you get paid in a claim? There’s an excellent reason for this: insurance would not be affordable for everyone without special limits coverage. Not knowing what special coverage applies to your policy can lead to disappointment when you try to recoup your loss.

Your policy is likely to place special limits on cash, collectibles, bicycles, furs and other valued possessions. One of the most common special limit caps is for jewelry. So if you own expensive jewelry, you might consider jewelry insurance. You can always get added protection on any high value items in your home with by adding supplemental insurance of a Personal Articles Floater to your existing policy.

Is there coverage when jewelry is lost while on vacation?

Yes, subject to the special limits of your policy. If the value of your jewelry is greater than the special limits of your policy, it can be added as separate scheduled article. Check your policy wordings to make sure that your jewelry is fully insured.

What items typically have special limits?

It is common for items such as jewelry, collectibles, cash, watercrafts and electronics to have special limits of liability. It is important to review the limitations of your policy to make sure you have the proper coverage.

Is there coverage for property of students away at school?

Yes, coverage can extend from a standard homeowner’s policy to the property of students away at school. This coverage is subject to the same limits are your homeowner’s policy.

Contact Us For More Information On Special Limits Of Insurance


By now you may be wondering what special limits are described in your policy? If you’re not in the insurance business, it is often difficult to tell. To prevent policies from being too long, special coverage is included in the policy’s very dense wording. Luckily, there’s an easy fix: talk to an insurance professional. Our network of independent brokers can tell you exactly what you need to know.

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