I’ve had my homeowners insurance with Allstate for the last 20 years that covers several properties I own in Texas as well as my wife’s wedding ring. Then a few years ago I bought a new home as my primary residence also located in Texas. For that one property I went with Geico just because they offered a cheaper rate. The house that I purchased most recently (primary residence) was burglarized in April. I contacted Geico about the burglary and also Allstate about my wife’s ring since it was covered on a separate homeowners policy through them. Now Allstate is denying the claim for my wife’s ring even though I’ve been paying extra to have it covered as scheduled property. Can they do that?