What Are Special Limits On My Homeowners Policy? 
When insurance carriers develop their policies for distribution they consider the types of losses and the types of property that they are including . Some property has a higher susceptibility to loss . Some property is far more likely to be lost because of its nature or character . Money is an example of property with a special limitation . Jewelry has special limitations as another example . When carriers write policies these special limits reflect a places where you may be able to buy back coverage to increase the limit . Keep this idea in mind when you review your needs . Homeowner insurance policies are based upon assumptions made about the needs of all homeowners and the understandings carriers have about the types of property and losses they are likely to incur . All policies should be thoroughly reviewed to make sure they match your needs and I especially point to terms of coverage , perils , exclusions . and limitations . So should you . Tailor your coverage as you might your suit of clothes . It will fit better . 