Texas · Coverage C is your belongings, not the house
On an HO-3, contents are named-peril coverage, often actual cash value unless you added replacement cost. Jewelry and art have a lower cap than the furniture.
Coverage C pays for furniture, clothes, and other property you own when a covered cause damages or steals them. TDI’s homeowners guide says the limit is usually a percentage of the dwelling limit, and it gives this example: a house insured for $100,000 with contents at 20 percent is $20,000 of contents coverage. That is TDI’s example, not a rule that every policy uses 20 percent. The same guide says policies limit what they pay for jewelry and art. The dollar cap is printed in your form. This page will not invent one. A schedule, or a rider, insures a named item for a stated amount and usually broadens the perils. It does not raise Coverage A.
The hub: Texas homeowners and the product page. Adding the schedule: riders and what sits outside the basic form. The state desk: Texas service.
