SHAHOOD, J.
Appellants bought a homeowner's policy from State Farm Fire and Casualty Company ("State Farm"), which included coverage for personal property losses up to $107,250. Their home was burglarized, and $46,230 worth of rare coins were stolen. Appellants filed a claim with State Farm to recover for the loss, but were paid only $200 pursuant to the following special limitation in their insurance policy, which State Farm contended was controlling:
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