What is the maximum limit for theft of certain valuable items under a homeowners policy?

The maximum limit for theft of certain valuable items under a homeowners policy is $2,500. This limit typically applies to specific categories of personal property that are often targeted in theft claims, such as jewelry, watches, furs, silverware, and firearms.

Homeowners insurance typically includes a section that covers personal property but may impose sub-limits on certain categories to account for their high value and susceptibility to theft. This limit is established to provide adequate coverage while maintaining affordability for policyholders. It emphasizes the importance of knowing the coverage limits of your policy, especially for high-value items, and may lead homeowners to consider additional coverage options, such as endorsements or scheduled personal property coverage, to ensure that valuable items are fully protected.