Coverage classification
- Form type
- Endorsements
- Product lines
- HomeownersPersonal Inland Marine
Compare Special personal property coverage forms
| Form | Intent | Coverage context | Conditions and limits |
|---|---|---|---|
Employers Insurance Company of WausauSpecial Personal Property Coverage HOM-8306/EP 1/26 Homeowners | Covers sudden and accidental direct physical loss to covered personal property, subject to exclusions. | Extends specified special-limit property items beyond theft to misplacing or losing them. | Contains exclusions and exceptions for certain breakage and other causes of loss. |
Auto-Owners Insurance CompanySpecial Personal Property Coverage - Homeowners Policy Form 6 57480 (6-21) Homeowners Unit Owners | Covers risk of direct physical loss to covered personal property subject to policy exclusions. | Amends limits for theft, misplacing or losing jewelry, silverware and guns. | Applies stated amounts or a different limit shown in the declarations to those property categories. |
Notable clauses
“We insure for sudden and accidental direct physical loss to property described in COVERAGE C”
Employers Insurance Company of Wausau · Special Personal Property Coverage · HOM-8306/EP 1/26
Direct physical loss. The endorsement qualifies this coverage with exclusions and limitations.
“theft, misplacing or losing of jewelry, watches, precious and semi-precious stones, and furs”
Auto-Owners Insurance Company · Special Personal Property Coverage - Homeowners Policy Form 6 · 57480 (6-21)
Jewelry or furs. The form identifies a specific limit for this category, subject to the declarations.
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