All of the following are special personal property limits under a homeowners policy EXCEPT:

In a homeowners insurance policy, special personal property limits are typically established for specific categories of items that are often at higher risk for theft or loss. Understanding these limits helps policyholders know the extent of their coverage.

The limit that pertains to business personal property on the insured premises typically is not included in the special limits for personal property. Homeowners policies often have specific restrictions on business-related personal property since these types of items might be covered under a separate business insurance policy. The intent of homeowners insurance is to cover personal use items, not items tied to a business operation. As a result, business personal property often falls outside the special limits typical for personal property covered under the policy.

In contrast, the other limits listed, including those for trailers, firearms, and securities, specify maximum amounts for those categories as part of the standard coverage within a homeowners policy. Each of these categories recognizes the higher risk or value associated with such items compared to typical household contents, thus justifying the need for specific limits on them.