The single-item limit is the most an insurer will pay to replace any individual items that hasn’t been specifically listed. The limit will depend on your provider and the policy, b ut is often around £1,000. If you need to cover anything worth more than that, you shoudl mention it as a high-risk item. As well as there being a cover limit for your items, there are other exclusions that may affect your claims. For example, some providers also have a maximum claim limit for all valuable items. So, if several items are stolen or damaged at once, you may not be able to reclaim their full value.