Cleaver Insurance Agency is a renters insurance agency serving all of Texas, offering one of the most practical and most overlooked protections available. Let us show you what you are missing.
From renters and RVs to boats, toys, and specialty coverage you did not know you needed one conversation with us covers a lot more ground than you might think.
Many Texans carry gaps in their coverage without realizing it. Renters insurance is one of the most overlooked and most affordable protections available. RV and boat coverage is often missing entirely or buried in a standard auto policy that does not actually cover it on the water or on the road.
Renters insurance can protect more than your belongings. Depending on the policy and loss, coverage may include personal liability protection and additional living expenses if a covered loss makes your home temporarily unlivable. Coverage can also extend to personal property away from home, including certain belongings in your car or with you while traveling. Many landlords in Texas require proof of renters insurance as part of the lease, and renters insurance can often be bundled with auto insurance. It is also important to understand the difference between certain sudden and accidental water losses that may be covered and flooding from rising water, which generally requires separate flood insurance.
If you are not sure whether you have the right coverage for something specific, that is exactly the kind of conversation we are here for. Let us take a look.
Let's Talk Coverage →Common questions from Texas clients. Straight answers from your Texas-licensed agent.
Renters insurance covers your personal belongings against theft, fire, vandalism, and certain water damage. It also includes personal liability protection if someone is injured in your rental, and additional living expenses if your unit becomes uninhabitable after a covered loss.
No. Your landlord's policy covers the building structure only. Your personal property, electronics, furniture, clothing, and liability are not covered at all under your landlord's insurance. Renters insurance fills that gap entirely.
Renters insurance is typically one of the more modestly priced coverages available, with cost depending on your coverage limits, location, and deductible. For the protection it provides across personal property, liability, and additional living expenses, it is widely considered one of the stronger values in personal insurance.
Specialty vehicles such as RVs, motorhomes, boats, watercraft, motorcycles, ATVs, and powersports vehicles are generally not adequately covered under a standard auto policy, especially on the water or off-road. Dedicated policies are available for each of these and are worth discussing with your agent. For a closer look at insuring boats, RVs, golf carts, ATVs, motorcycles, and other recreational vehicles, read our complete guide to Recreational Vehicle Insurance in Texas.
A personal umbrella policy adds an extra layer of liability coverage, typically $1 million or more, above your home and auto policies. It is worth considering if you have significant assets, a pool, teen drivers, or dogs. The cost is modest relative to the amount of additional protection provided.
Texas generally does not require renters to purchase renters insurance by law. However, landlords and property management companies may require tenants to maintain renters insurance as a condition of the lease. Check your lease carefully, since requirements can vary by property and landlord.
The right amount depends largely on the value of your personal belongings and your potential liability exposure. Creating a simple home inventory can help estimate what it would cost to replace your belongings after a covered loss. An agent can also help review appropriate personal property and liability limits based on your situation.
It may. Personal property coverage can extend to belongings away from your residence, such as property stolen from a vehicle, hotel room, or while traveling. Coverage is subject to the policy's terms, deductibles, exclusions, and applicable limits.
An unrelated roommate generally should not assume their belongings are protected by another roommate's renters policy. Who qualifies as an insured depends on the policy language and household relationship. Unrelated roommates commonly need their own renters insurance to protect their personal property and liability exposure.
Yes, renters and auto insurance can often be placed with the same agency. Depending on the insurer and policies involved, combining coverage may qualify for multi-policy discounts or other pricing advantages. Available savings vary, so it is worth comparing overall coverage and cost rather than assuming a bundle is always less expensive.
Renters insurance may cover damage to personal property caused by certain sudden and accidental water events, when the cause of loss is covered by the policy. Coverage depends on how the water damage occurred. Gradual leaks, maintenance-related problems, and flooding are generally treated differently.
Standard renters insurance generally does not cover damage caused by flooding or rising surface water. Renters who want protection for their belongings from flood damage may need separate flood insurance, often through the National Flood Insurance Program or a private flood insurance provider.
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