Questions & answers · Home insurance
How much does my home policy pay for my belongings, and what about jewelry and art?
Home insuranceOtherTexasChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗
In short
- Your belongings are insured for a part of your house limit.
- Jewelry and art usually have a lower limit.
- A list of what you own makes a claim easier.
What this means
TDI says home policies "usually pay a percentage of your dwelling coverage limit" for your furniture, clothes and other property. TDI's example: a house insured for $100,000 with property covered at 20% of that means personal property is insured for up to $20,000 [1].
TDI also says "Home policies limit what they'll pay for things like jewelry and art." If you own costly items, TDI says to talk to your agent about adding more coverage. Common add-ons (endorsements) include coverage for jewelry, fine arts or electronics [1].
TDI tells you to make a list of what you own. Update it often. If you can, include the buy date, value and serial number for each item, and photograph or video each room [1].
Your next step
Look at your declarations page for the personal property limit, then make or update your item list. The page gives no deadline.
Check it yourself
Open the TDI guide below and read "Personal property coverage".
Where this comes from (1)
[1] TDI · checked 2026-11-06
Home policies usually pay a percentage of your dwelling coverage limit to repair or replace your furniture, clothes, and other property. For example, say you insure your house for $100,000 and your policy covers your property at 20% of that. Your personal property would be insured for up to $20,000. Home policies limit what they'll pay for things like jewelry and art. If you own expensive jewelry, art, or other items…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
What we don’t know yet
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Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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Answer id CQ7028. Spotted an error? Tell us.