What type of property is specifically limited under the special sub-limits of certain property in DP policies?

In dwelling property (DP) policies, the special sub-limits apply specifically to personal property, which encompasses belongings such as furniture, clothing, and other personal effects owned by the insured. These sub-limits are important because they place a cap on the amount that the insurer will pay for certain categories of personal property in the event of a loss. For example, while a dwelling policy may provide coverage for personal property, it often specifies lower limits for valuables like jewelry, firearms, or artwork to control risk and exposure for the insurance company. Understanding this distinction helps policyholders know the extent of their coverage and encourages them to consider additional endorsements or policies for high-value items that may exceed these sub-limits.