- Coverage for valuables above homeowners sub-limits
- Jewelry, guns, art, watches, collectibles
Personal Property Floater & Valuables Insurance
Your engagement ring is worth more than your homeowners policy covers.
- Coverage above homeowners sub-limits ($1,500 jewelry, $2,500 guns, etc.)
- Blanket increase or item-by-item scheduling, whichever fits
- Scheduled items typically covered for mysterious disappearance
- Often no deductible on scheduled items
💎 Get your valuables coverage quote
Free, no obligation. Blanket or scheduled options.
Trusted by Texas families since 1983
Since 1983
All-risk on scheduled items
Blanket & scheduled options
Appraisal guidance included
The sub-limit surprise
Your homeowners policy has coverage caps you almost certainly haven't read.
Standard homeowners policies include coverage for personal belongings up to your Coverage C limit, but they impose much smaller sub-limits on specific categories, particularly for theft. These sub-limits are often much lower than what people actually own. The comparison below uses typical Texas homeowners defaults; your actual policy may vary slightly.
Jewelry & watches
Theft-specific sub-limit
$1,500
Typical HO-3 default
$8,000+
Engagement ring alone
One nice engagement ring, one inherited watch, or one gold bracelet frequently exceeds the sub-limit by itself.
Firearms
Theft coverage cap
$2,500
Typical HO-3 default
$10,000+
Modest collection
A single quality hunting rifle or handgun collection can exceed the default cap. Common in Texas households.
Silverware & goldware
Theft-specific sub-limit
$2,500
Typical HO-3 default
$8,000+
Inherited flatware
Inherited silverware sets and holiday flatware often exceed the sub-limit and are difficult to replace.
Cash & currency
Money on premises
$200
Typical HO-3 default
Varies
Whatever’s in the safe
Cash held at home for any reason is capped at a very low limit and is usually not worth scheduling separately.
Business property at home
Home-based inventory
$2,500
Typical HO-3 default
$10,000+
Home office/inventory
Many home-based businesses have equipment and inventory well above the cap and need a business policy or endorsement.
Collectibles & art
Depends on carrier
Varies
Category-specific caps
$5,000+
Modest collection
Coins, stamps, sports memorabilia, and fine art often have carrier-specific limits or require scheduling.
These are illustrative defaults, not your policy. Actual sub-limits vary by carrier, policy form, and endorsements. As part of quoting your floater, we pull the current sub-limits from your specific homeowners policy so we can build the right blanket increase or scheduled item list on top of it.
Two ways to close the gap
Blanket increase or scheduled items. The right answer depends on what you own.
Once you know your sub-limit gap, there are two structural ways to expand coverage. Each has strengths, and most families end up using both in combination.
- Option 1
Blanket increase (category-wide)
Raise your homeowners sub-limit across a whole category without listing individual items.
- No appraisals or item-by-item listing required
- Simpler and typically cheaper for modest collections
- Automatically covers new items you acquire in the category
- Good default for typical family jewelry, silverware, or firearms collections
- Usually keeps the per-item cap in place (e.g. "up to $5,000 per item")
- May not cover mysterious disappearance (unexplained loss)
- Deductible on your homeowners policy still applies
- Coverage limited to perils in your homeowners form
- Option 2
Scheduled personal property (item-by-item)
List specific items on a schedule with appraised values. Broadest coverage available for valuables.
- All-risk coverage on scheduled items, including mysterious disappearance
- Typically no deductible on scheduled items
- Agreed-value settlement on many scheduled policies
- Coverage often worldwide (traveling, at work, in a hotel safe)
- Right approach for individual items above per-item caps
- Requires appraisals or receipts for higher-value items
- Item-by-item management as you add or remove things
- Higher premium than a blanket increase, but reflects broader coverage
Categories we regularly cover
The items families typically want scheduled.
Personal property floater and scheduled coverage aren’t limited to the categories below, these are just the most common. If you own something valuable that doesn’t fit a category, we can usually schedule it.
Jewelry & watches
Engagement rings, wedding sets, heirlooms, luxury watches, gold and diamond pieces. The most commonly scheduled category.
Firearms
Hunting rifles, handgun collections, historical firearms, competition equipment. Common Texas household category with regularly-underestimated value.
Fine art
Paintings, sculpture, prints, gallery-purchased works. Often needs specific appraisal and separate coverage.
Silverware & goldware
Inherited flatware sets, ornamental pieces, decorative goldware. Frequently understated in value.
Musical instruments
Guitars, violins, pianos, professional-grade instruments. Coverage can extend to instruments used at gigs or in transit.
Cameras & equipment
Professional photography and video equipment, lenses, and accessories. Common for hobbyists and home-based professionals.
Why work with Aimbest
The valuables conversation is easy to skip. Skipping it is where the gap lives.
Most homeowners never think to check their sub-limits until after a loss. Part of being a real Texas broker (rather than an order-taker) is walking through your specific policy and identifying the actual gaps before something happens. We don’t upsell, we quantify: here’s your sub-limit, here’s what you actually own, here’s what makes sense to schedule and what doesn’t.
From your specific homeowners policy, not generic averages.
Honest guidance on which structure fits your specific items.
We help you decide what needs appraising and when receipts are enough.
"Aimbest walked us through our sub-limits, then pointed out our old policy would have paid $1,500 total on a $9,000 ring collection. We scheduled the pieces the same week."
How it works
From quote request to bound floater, four steps.
Share what you have and roughly what it’s worth. A Texas advisor reaches out.
From your current homeowners policy, so we can identify the actual gaps.
Blanket, scheduled, or combination coverage side by side, with honest tradeoffs.
Choose your coverage. Same advisor helps as you add or remove items over time.
Common questions
Personal property floater coverage, answered.
What's the difference between a "floater" and "scheduled personal property"?
The terms are often used interchangeably. “Personal property floater” or “personal articles floater” (PAF) is the historical name for a standalone policy that covers listed valuables anywhere they go, hence “floater.” “Scheduled personal property” typically refers to an endorsement added to your existing homeowners policy that lists specific items with values. Coverage terms are usually similar in both, and either can be the right answer depending on your carrier and situation.
Do I need appraisals for everything I schedule?
Generally, higher-value items (typically $5,000 and above per item, but this varies by carrier) require appraisals or comparable documentation. For lower-value items, receipts or a bill of sale are often sufficient. Some carriers accept photographs and self-declared values for modest items, and some categories (like firearms) may need specific documentation. We tell you what your carrier expects before you go through the expense and effort of appraisals you don’t need.
What is "mysterious disappearance" coverage?
Mysterious disappearance covers loss when you can’t identify a specific cause, common examples include a diamond falling out of its setting, a ring left in a hotel room, or a piece simply going missing without any evidence of theft. Standard homeowners coverage usually excludes mysterious disappearance entirely. Scheduled personal property typically includes it, which is one of the main reasons to schedule high-value items rather than just relying on blanket increases.
Is my scheduled jewelry covered when I travel?
Most scheduled personal property policies provide worldwide coverage, meaning your listed items are covered whether they’re in your home, in a bank safe deposit box, being worn, in transit, or on vacation with you. This is one of the significant advantages of scheduling over a blanket increase, which typically only covers items at the residence. Always confirm the specific policy language, but worldwide coverage is the norm on scheduled items.
Does scheduled coverage have a deductible?
Many scheduled personal property policies have no deductible on scheduled items, meaning covered losses pay from the first dollar up to the scheduled value. This is very different from your homeowners deductible (often several thousand dollars in Texas after wind/hail deductibles are considered). No-deductible coverage on scheduled items is one of the meaningful advantages over blanket coverage, especially for smaller-value items like a single ring or watch.
What about items I inherited or bought a long time ago?
Values on inherited or older items can be surprising, especially for jewelry, silverware, and collectibles that have appreciated significantly since original purchase. Older items often need current appraisals because insured value should reflect current replacement or market value, not what someone paid in the 1970s. A jewelry or fine-arts appraiser can typically evaluate these items relatively quickly, and we can recommend appraisers in the Texas market.
Related coverage
What pairs with personal property floater coverage.
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Let's find out what your sub-limits actually are.
Free quote, no obligation. We pull the current sub-limits from your policy and quantify the real gap before recommending anything.