Any high risk item or personal belonging that is specified on your policy schedule.

Items that you ask us to cover inside your home for more than the general limits we pay for them as shown on page 66. You select the sum insured for the item and you pay an extra premium to cover it f [..]

Are home contents with limited cover under the policy which you have described to us, told us their current replacement value and the insurer has agreed to cover in writing.