How this is calculated

Belongings & Special Limits Check

Compares your estimated total contents value with your contents limit (or a typical 50–70%-of-Coverage-A range when the contents limit is unknown), then lists the typical per-category sub-limits for each valuables category you hold.

Step by step

When you know your Coverage C, the comparison uses it directly; otherwise a typical range of 50–70% of Coverage A is shown.
Each selected category is matched to a typical standard-policy sub-limit (e.g. theft of jewelry, watches and furs $1,500, theft of firearms $2,500, theft of silverware $2,500, cash $200, electronics used for business or kept in a vehicle $1,500).
Collectibles and fine art are not standard-form special limits. Some carriers cap them, so their figures are carrier-specific and shown as illustrative only.
Categories are informational flags — the tool does not value your items.

Assumptions and their default values

Some of these change with the state you select.

Typical Coverage C — low end (% of Coverage A) 50%

Typical Coverage C — high end (% of Coverage A) 70%

Typical sub-limit — jewelry, watches & furs (theft) $1,500

Typical sub-limit — firearms (theft) $2,500

Typical sub-limit — silverware & goldware (theft) $2,500

Typical sub-limit — cash & money $200

Typical sub-limit — electronics used for business or kept in a vehicle $1,500

Typical sub-limit — watercraft, trailers & equipment $1,500

Illustrative sub-limit — collectibles (carrier-specific) $1,500

Illustrative sub-limit — fine art & antiques (carrier-specific) $2,500

Important disclosures

This tool is educational only. It illustrates potential exposure using the assumptions shown — it is not insurance advice, a price, or an offer of coverage, and it does not determine whether any coverage amount is right for you. Policy language varies; review your actual policy and discuss your situation with a licensed insurance professional.
Sub-limit figures shown are typical policy sub-limits for standard homeowners forms — your policy sets its own limits, perils, and definitions. Categories marked carrier-specific are not standard-form limits at all. Check your policy.
The 50–70% Coverage C range is a typical policy structure, not a statement about how much contents coverage fits your situation.

Now that you can see the method, the numbers are worth a conversation.

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