Which of the following items is typically NOT subject to special limits of liability under habitational insurance policies?

Computer hardware is typically not subject to special limits of liability under habitational insurance policies, making it the correct choice. Habitational insurance, which often includes homeowners and renters insurance, sets specific limits on certain types of personal property that are considered to be at greater risk for loss or theft. Items such as jewelry, cash, and artwork usually fall under these special limits due to their high value or desirability in the eyes of thieves.

In contrast, while computer hardware can be valuable, it is generally treated as part of standard personal property coverage without the same restrictions that apply to jewelry, cash, or artwork. This reflects an understanding of the marketplace where electronics, though valuable, are less frequently targeted for theft compared to items like fine jewelry or cash. Therefore, a standard policy may provide full coverage for computer hardware without imposing special limitations.