The Homeowners Policy lists specific types of personal property and places a specific limit of coverage of such property – usually low compared to the actual exposure the insured has. Additionally, these "special limits" are WITHIN the Coverage C (personal property) limit not in addition to the limit. Such limitation can create an E&O trap for the agent.

However, these limits can be increased – well, most of them can. This class:

• Details the special limits found in the Homeowners Policy;
• Explains how the limits can be increased; and
• Lists the special limits that cannot be increased.

This class is 10 minutes.