Personal Property Coverage
Personal property coverage pays to replace your belongings if they're stolen or destroyed in a covered event. It follows you and your family, even when items are away from home.
The specifics.
Furniture, electronics, clothing, appliances, and most personal items — typically at 50–70% of your dwelling limit. Special sub-limits apply to jewelry, cash, firearms, and collectibles.
Real-world impact.
Standard sub-limits are often too low for real households. We add scheduled endorsements for jewelry, art, and other valuables so full replacement cost is available at claim time.
Other coverages inside your home insurance policy.
Dwelling Coverage
Pays to rebuild your home after a covered loss.
Learn morePersonal Liability
Protects you if someone is injured on your property or you damage others' property.
Learn moreWindstorm & Hail Coverage
Coverage for named-storm and hail damage — critical in Texas.
Learn moreFlood Endorsement
Standard homeowners does NOT cover flood — you need a separate policy.
Learn moreLoss of Use / Additional Living Expenses
Pays for hotels, meals, and rent if your home becomes unlivable.
Learn more
Get personal property coverage added to your policy today.
We'll compare rates across 15+ top-rated Texas carriers and get you a real quote within one business day.