Actually, the amount of insurance on personal insurance generally should be 50% of the insurance on the dwelling. So if your home is insured for $1,000,000, the insurance on personal property is $500,000. Homeowner's insurance is, to a large extent, an insurance againt fire. The special limits apply only to theft. The full amount of insurance applies to losses from fire and other covered perils. "Gold" includes goldware.
The purposes of the special limits are to limit the dishonesty from the part of insured and to simplify the loss adjustment process.
The purposes of the special limits are to limit the dishonesty from the part of insured and to simplify the loss adjustment process.
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