In all home insurance policies, there are special limits on certain types of personal property. In order to obtain higher/proper coverage, an insured must specifically list the individual items on a Schedule on the policy and pay a premium to have them covered adequately. Some common items that have special limits include: Jewelry, Watches, Furs, Precious and Semi-Precious stones, Home Computers, Oriental & Persian Rugs, Fine Arts, Silverware, Goldware, Tools, Bicycles, Cameras & Musical Instruments.