insurebcvictoria

Understanding Special Limits: A Closer Look at How Personal Property Coverage Really Works

Admin Team

17 Nov 2025 — 1 min read

Home insurance policies are structured with a broad contents limit, but this limit is only the starting point. Within the policy are sub-limits that apply to particular categories of personal property. These special limits function independently from the overall contents limit and can significantly restrict coverage for certain high-value items.

Categories With Defined Sub-Limits

Insurance carriers commonly apply separate maximums to:

Jewellery and watches
Fine art and specialty décor
Sports equipment
Professional-grade tools
Bicycles
Memorabilia and collectible items
Specialty beverages such as curated wine collections

These amounts vary from one insurer to another, and in some cases, the standard limit may be insufficient for even a single item in the category.

Why Reviewing Your Policy Matters

Policyholders often overlook special limits because they appear in sections separate from the main coverage amounts. Without reviewing these sections, homeowners may overestimate how much protection they truly have.

InsureBC Victoria’s Approach

Our advisors take the time to break down each coverage area, outline the limits that apply, and identify any gaps. When additional protection is required, we recommend scheduling items or adding endorsements tailored to the value of the property.

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