Common Limitations of Home Insurance

common limitations

Home insurance policies have special restrictions applicable to some types of personal property in general, as well as in the event of theft. In this article, we will focus only on the limitations applicable when loss or damage has been caused by theft.

The following information is reflective of SouthEastern Mutual’s Basic, Broad and Comprehensive home insurance policy wordings. It is not meant to represent the wordings of other insurance companies.

Personal property items affected by limitations in the event of theft include:


Jewelry, watches, gems, fur garments and garments trimmed with fur are limited to $3000-$6000, depending on the type of policy.

Numismatic Property

This includes items such as coin collections and has a limit of up to $500 in all.


Items such as manuscripts, sports memorabilia and stamp collections are limited to $1000-$3000, depending on the type of policy.


Silverware, silver-plated ware, gold ware, gold-plated ware and pewter ware have a limit of up to $10,000 in all.


Bicycles and related equipment have a limit of $1000 for any one bicycle or unattached piece of equipment.


Guns are limited to $2000-$3000, depending on the type of policy.

Golf Clubs

Golf Clubs are limited to $1000-$2000, depending on the type of policy.

If you own these types of property with values in excess of the limits listed above, you may be able to increase your limits of insurance by purchasing a personal article floater or special limits increase endorsement. Contact your agent or broker to ensure you have sufficient home insurance coverage for your needs.

To learn more about  home insurance policies, check out these other articles:

Insurance: Replacement Cost vs Actual Cost Value

7 Ways to Save Money on Home Insurance

7 Everyday Insurance Terms You Should Know

This article is intended for informational purposes only. It is recommended that you speak with your Agent, Broker or Insurer for accurate information pertaining to your specific insurance policy and/or individual insurance needs.