Each insurance policy has a section that refers to the "limitations" (limited coverage) of specific items such as artwork, jewelry, furs, firearms, gold, silver, etc. It is important to know what the limits are for these items - especially if you collect or have inherited these items. You can increase the coverage of these items by purchasing special coverage which adds the specific items to your policy and insures them for the full value.
If loss or damage were to occur and you try to file a claim covering the full value - the claim will be rejected and you will only receive the "limited" amount stated within your policy.
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