Moon Insurance Managers, Inc. · TDI license #5595
Valuable Items Insurance in Houston, TX
Your homeowners policy covers the couch, the clothes and the television without much fuss. The engagement ring is a different story. Contents coverage pays by category, and a few of those categories stop at a number that would surprise you — sometimes a few hundred dollars. Scheduling is the fix, and it is usually one phone call.
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The number nobody quotes you
Where a homeowners policy stops paying
Every homeowners form carries what the policy itself calls special limits of liability — caps that sit inside your contents coverage and apply category by category. They apply however high the contents limit is, which is how a household with plenty of coverage on paper ends up badly underinsured on one object.
Below are the actual figures from one current Texas form: the Texas FAIR Plan homeowners policy, sample copy dated March 19, 2025. Not an average — one real document you can open and read.
| Category | The form's limit | What that is, in a house |
|---|---|---|
| Money and bank cards | $100 | Cash in the house, however high the contents limit is. |
| Gold and silver bullion, securities, passports and other valuable papers | $500 | The paperwork in the safe, and metal held as bullion rather than worn. |
| Theft of gems, jewelry, watches or furs | $500 | A theft limit specifically — what the form pays if somebody takes the ring. |
| Business personal property | $2,500 | Things you use to earn money, kept at home. Cameras and instruments land here. |
Sources: Texas FAIR Plan homeowners policy, sample copy 03/19/2025; TDI — home insurance guide. Verified .
The honest part
Your policy is not that policy
Forms differ. Carriers file their own, some more generous than the FAIR Plan's and some less, and an endorsement bought three years ago may already have moved one of those numbers on your policy. The table above shows how special limits work, not what you own.
The answer for your things is printed on your own declarations page and the endorsements behind it. Reading it with you is the job.
The Texas Department of Insurance puts the same point more politely: home policies limit what they will pay for things like jewelry and art, and its advice is to talk to your agent about adding coverage. We are the agent. Send the declarations page — a photograph on your phone is enough — and we will read the special limits off it and tell you what your policy caps today. These caps sit inside every homeowners policy, so it is worth doing at renewal even when nothing in your household has changed.
The fix
Scheduling: how it actually works
A scheduled item is listed on the policy on its own — a description, a value, and usually a recent appraisal or purchase receipt behind it, which is what carriers typically want. It goes on as an endorsement to the policy you already have. Three things change:
- It gets its own limit Instead of a category cap
- The item is insured for the value listed against it, and the special limit stops deciding the outcome.
- It is covered against more Written into the endorsement
- Scheduled coverage usually answers for more ways of losing something than the base policy does — a stone gone from its setting, a ring that never came back from the beach. Carriers do not all write that the same way, so read the endorsement.
- It leaves the general pot Property not covered
- The same TFPA form excludes articles separately described and specifically insured from ordinary contents coverage. Once scheduled, the schedule is what pays — a known number against a known object.
What a web page cannot tell you is which route your carrier takes: some add the endorsement to the policy in front of them, others would rather write the valuables on their own. Tell us what the item is and what it is worth, and we will tell you which of the two yours turns out to be.
Four common ones
What people around here actually schedule
Rings and heirloom jewelry
The theft limit is the one that bites — $500 on the form above. An appraisal and one call put the real number on paper instead. Inherited pieces are the ones people forget, because nobody bought them recently enough to think of them.
Firearms
Some forms set a separate cap on firearm theft. Others — including the TFPA form above — name no firearms limit at all. Your declarations page says which case you are in, and a collection is worth listing gun by gun either way.
Instruments and cameras
Mind the quiet one. Gear that earns money can fall under the business personal property cap — $2,500 on the form above — even when it never leaves the house. Weekend photography and paid gigs are what move a camera bag from one category to the other, and nobody tells you.
Collections
Cards, coins, art, memorabilia. A collection concentrates value into objects the base form was never priced around, and that value moves with a market rather than a receipt. Schedule the anchors; photograph the rest for your inventory.
Tenants too
Renting? Same problem, same fix
A renters policy carries the same class of special limits, and scheduling works the same way — the item is listed on your renters policy at its own value, on the same kind of endorsement. If the most valuable thing you own is on your hand rather than in your living room, none of this depends on the deed.
No obligation
Schedule it in one call
An appraisal, a receipt, or just a photograph and a question — any of the three is enough to start, and we will tell you what scheduling it properly costs. The phone is fastest: (281) 484-8320. There is a longer quote request form if your declarations page is to hand, and the callback form above takes five fields.
Items are scheduled on policies statewide, so you do not have to be local to do this by phone — though the office is on the southeast side of Houston if you would rather come in.
Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX 77034.
Questions we get about scheduling
Does homeowners insurance cover jewelry?
Yes, as contents — but only up to the special limit the form sets, and on many forms that limit applies to theft. On the Texas FAIR Plan sample form it is $500 for theft of gems, jewelry, watches or furs. Scheduling insures a piece for its appraised value instead.
How do I insure an engagement ring in Texas?
Get a recent appraisal, then have the ring scheduled on the homeowners or renters policy you already have, as an endorsement listing the ring and its value. One call with the appraisal in hand is usually the whole process.
Are guns covered by homeowners insurance?
As contents, yes. What varies is the cap: some forms set a separate limit on firearm theft, and others — the Texas FAIR Plan sample form among them — name no firearms limit at all. Your declarations page says which case you are in.
Do I need an appraisal?
For jewelry, carriers typically want a recent appraisal or the purchase receipt. For other property what counts varies, so ask us what your carrier accepts before paying for a valuation. We are not appraisers.
Does scheduling raise my premium?
It adds premium for each item you schedule, priced against the value you list. How much depends on the item and the carrier, so the quote is the honest answer. We do not publish made-up averages.