💍 Cash, Jewelry, Collectibles & Other Special Limits

Your tenant insurance includes coverage for personal belongings, but some categories of property have special limits.

A special limit is the maximum amount payable for all items in a category combined during a single covered loss, even if your overall contents coverage limit is higher.

For example, if you have $15,000 in contents coverage, the special limit for stolen jewelry is still $1,000.

💵 Cash & Money

Coverage is limited to:

• Cash
• Bank notes
• Coins
• Bullion
• Gold (other than goldware)
• Silver (other than silverware)
• Platinum
• Medals

Maximum coverage: $200 per covered loss

Example: If $500 in cash and collectible coins are stolen during a break-in, the most payable under this category would be $200 total, not $200 for each item minus the $500 deductible.

💍 Jewelry, Watches & Furs

Coverage is limited to:

• Jewelry
• Watches
• Furs
• Precious and semi-precious stones

Maximum coverage: $1,000 total per covered theft loss

Example: If three rings, a watch, and a necklace are stolen and their combined value is $4,000, the most payable under this category would be $1,000 total minus the $500 deductible.

🔫 Firearms

Coverage is limited to:

• Firearms
• Related equipment and accessories

Maximum coverage: $2,000 total per covered theft loss

If multiple firearms are stolen during the same incident, the most payable under this category is $2,000 total minus the $500 deductible.

🥄 Silverware & Goldware

Coverage is limited to:

• Silverware
• Silver-plated ware
• Goldware
• Gold-plated ware
• Pewterware
• Tea sets
• Trays
• Trophies

Maximum coverage: $2,500 total per covered theft loss (Minus the $500 deductible)

📱 Electronics Stolen From a Vehicle

Certain electronic devices designed to operate from a vehicle's electrical system are covered up to $1,000 per covered loss while in or on a vehicle.

This limit also applies to related accessories and media.

🌎 Property Away From Home

Personal property is primarily covered while at the insured location.

If covered property is away from the insured location when a covered loss occurs, coverage is limited to $1,000 total per covered loss (minus the $500 deductible), subject to the policy terms and conditions.

🚫 Items Not Covered

The policy does not provide coverage for certain types of property, including:

• Animals, birds, or fish
• Motor vehicles
• Aircraft
• Watercraft
• Credit cards
• Business records and data
• Passports
• Property belonging to tenants, boarders, or roommates who are not insured under the policy

Updated on: 09/06/2026