Personal Articles Insurance in Texas

Itemized Protection for High-Value Belongings

Home insurance has limits when it comes to valuables like jewelry, firearms, art, and collectibles. Personal articles coverage fills that gap.

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What You Can Insure:

Our Houston-area clients often choose:

Engagement Rings, Heirloom Jewelry

Protect cherished pieces like engagement rings and family heirlooms from loss, theft, or damage with specialized coverage.

Fine Art, Collectibles, Rare Books

Ensure your fine art, valuable collections, and rare books are covered for their true value in case of unexpected loss.

Firearms, Musical Instruments

Safeguard high-value items like firearms and musical instruments, whether they’re stored at home or used regularly.

Designer Handbags, Watches, Cameras

Get peace of mind knowing your luxury items—like handbags, watches, and cameras—are protected wherever you take them.

Personal Articles Insurance FAQs

  • Do I need an appraisal?

    Usually yes—for scheduled items, you’ll need an appraisal or receipt.

  • Are these items covered outside the home?

    Yes—worldwide coverage is often included.

  • Can I insure items not listed on my home policy?

    Absolutely. This policy extends protection for anything above your homeowners limits.

  • Does this cover accidental loss?

    Yes—most personal articles policies cover things like losing a ring or breaking a watch.

Protect What You Can’t Replace

At DeShazo Insurance, we know some things are priceless. Whether it’s fine jewelry, art, or collectibles, we’ll help you safeguard your most treasured possessions.