Under a Homeowners policy, categories such as jewelry, watches, and firearms are subject to:
Explanation
Homeowners policies apply special limits (sublimits) to certain high-value or high-theft categories such as jewelry, watches, furs, firearms, cash, and silverware. These items are covered, but only up to a stated dollar cap that is lower than the overall Coverage C limit. To fully protect valuable items, the insured can schedule them on a personal articles (scheduled property) endorsement for broader, itemized coverage.
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