{"id":365,"date":"2026-05-20T14:26:24","date_gmt":"2026-05-20T20:26:24","guid":{"rendered":"https:\/\/www.alpha-insure.com\/blog\/?p=365"},"modified":"2026-05-20T14:26:46","modified_gmt":"2026-05-20T20:26:46","slug":"texas-home-insurance-guide-protect-your-valuables","status":"publish","type":"post","link":"https:\/\/www.alpha-insure.com\/blog\/texas-home-insurance-guide-protect-your-valuables\/","title":{"rendered":"Texas Home Insurance Guide: Protect Your Valuables"},"content":{"rendered":"\n
\"Valuable<\/figure>\n\n\n\n

Are you sure your home insurance covers your finest Texas gear? Most homeowners think their policy protects everything inside their house. If a thief breaks in, you expect a check to replace your stolen items. However, many Texans do not know about insurance sublimits. Specific high-value items are not covered the same as, for example, furniture.<\/p>\n\n\n\n

What Are Home Insurance Sublimits?<\/strong><\/h1>\n\n\n\n

Your policy has a main limit for personal property. This coverage limit is a percentage of the dwelling limit, usually starts at 40%.  However, certain items are covered at a much smaller sublimit. Insurance companies use sublimits to lower their risk on items that thieves steal most often, such as jewelry. If a thief steals your favorite Rolex, a standard home insurance policy might only pay a fraction of its true value.<\/p>\n\n\n\n

Four Categories with Low Policy Limits on a Home Insurance Policy<\/strong><\/h2>\n\n\n\n

1. Jewelry and Watches<\/strong> Texans love their fine jewelry and bright watches. Sadly, depending on the home insurance policy form, home insurance policies cap the losses by the peril of theft<\/a>. The sublimit for jewelry to losses by the peril of theft starts at $500! \u00a0<\/p>\n\n\n\n

2. Firearms<\/strong> Guns are a big part of Texas life and outdoor sports. Yet, most standard policies<\/a> limit firearm theft coverage to twenty-five hundred dollars. Thus, this small amount barely covers a couple of high-quality rifles or shotguns. <\/p>\n\n\n\n

3. Gold, Silver, and Platinum<\/strong> Do you keep precious metals in a home safe? Standard home insurance offers very low protection for precious metals. Most policies cap the losses for precious metals.<\/p>\n\n\n\n

4. Fine Arts and Antiques<\/strong> If a thief steals multiple luxury items at once, your payout will be way below the actual value of these high value items. Thus, it is important to properly insure your fine arts and antiques.<\/p>\n\n\n\n

How to Protect Your Valuables the Right Way<\/strong><\/p>\n\n\n\n

You do not have to leave your prized items at risk. Instead, you can protect your valuables with two easy choices:<\/p>\n\n\n\n