What are the special limits of insurance?
Business equipment (but not samples and merchandise for sale) is covered only while on your property, usually only up to $1,000.
Relatively small dollar limits apply to negotiable securities, cash, garden tractors, watercraft and computer software; read this section of your policy carefully!
Dollar limits apply also if the following are stolen: jewelry, watches, gems, fur, coin collections, stamps collections, manuscripts, and silverware.
About “floater” policies or wordings: Reasonably priced supplementary insurance is usually available. These policies or riders provide all-risk coverage for specific items – often fragile and/or valuable – subject to certain exclusions. Coverage can be world-wide. There’s usually no deductible and “mysterious disappearance” is covered.