Home, Condo & Renters
Special Property Limits
Certain types of personal property are subject to special limits much smaller than the overall contents limit.

For insureds with values in excess of any of these limits, increased limits or separate coverages can be arranged at added premium.

  • $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals.
  • $1000 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps. This dollar limit applies to these categories regardless of the medium (such as paper or computer software) on which the material exists. This limit includes the cost to research, replace or restore the information from the lost or damaged material.
  • $1000 on watercraft, including their trailers, furnishings, equipment and outboard engines or motors.
  • $1000 on trailers not used with watercraft.
  • $1000 for loss by theft of jewelry, watches, furs, precious and semi-precious stones.
  • $2000 for loss by theft of firearms.
  • $2500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware, and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.
  • $2500 on property, on the premises used at any time or in any manner for any "business" purpose.
  • $250 on property, away from the premises, used at any time or in any manner for any "business" purpose. However, this limit does not apply to loss to adaptable electronic apparatus
  • $1000 for loss to electronic apparatus, while in or upon a motor vehicle or other motorized land conveyance, if the electronic apparatus is equipped to be operated by power from the electrical system of the vehicle or conveyance while retaining its capability of being operated by other sources of power. Electronic apparatus includes:
    • Accessories or antennas; or
    • Tapes, wires records discs or other media; for use with any electronic apparatus.
  • $1000 for loss to electronic apparatus, while not in or upon a motor vehicle or other motorized land conveyance, if the electronic apparatus:
    • is equipped to be operated by power from the electrical system of the vehicle or conveyance while retaining the capability of being operated by other sources of power:
    • is away from the premises; and
    • is used at any time or in any manner for any "business" purpose.