Which type of property is usually not subject to special limits of liability?

The correct answer relates to the nature of special limits of liability as they pertain to specific types of property within insurance policies. Flatware, or silverware, is generally not subject to special limits because it is often considered part of a broader category of personal property that does not fall under the restrictions usually applied to more valuable items like fine art and jewelry.

In insurance terms, special limits of liability are specific caps on coverage for certain high-value items, which reflects their tendency to be more vulnerable to theft, loss, or damage. Fine art and jewelry, due to their high market value, are typically subject to these limits to mitigate the insurer's risk. Home appliances, while valuable, are usually viewed as standard personal property and do not typically warrant special limits in usual home insurance policies.

By recognizing the context of special limits applied to different property types, you can understand why flatware is typically treated differently than items like fine art or jewelry.