What Does Home Insurance Cover—and What Makes Klever Different?
At Klever, we don’t just sell policies—we build protection around your life. Here’s what a typical home insurance policy covers, and how we go beyond the basics to deliver smart, personalized coverage.
Dwelling Coverage
What it covers
The structure of your home—walls, roof, foundation, and built-in systems—against damage from fire, storms, vandalism, and more.
What Klever adds
We help you inventory your assets and offer enhanced protection for high-value items like jewelry, art, and collectibles.
Personal Property
What it covers
Your belongings—furniture, electronics, clothing, and valuables—whether damaged, stolen, or destroyed.
What Klever adds
We help you inventory your assets and offer enhanced protection for high-value items like jewelry, art, and collectibles.
Liability Protection
What it covers
Legal and medical costs if someone is injured on your property or if you accidentally damage someone else’s.
What Klever adds
We guide you through choosing the right liability limits to protect your finances and future for a true piece of mind.
Living Expenses
What it covers
If your home becomes uninhabitable due to a covered event, this coverage helps pay for temporary housing, meals, and other living costs.
What Klever adds
Fast claims support and flexible coverage so you can maintain your lifestyle while your home is being restored.
Klever Tip
Coverage Isn’t One-Size-Fits-All. We’ll help you customize your policy so you’re not overpaying for what you don’t need—or underinsured when it matters most.
Renato Miljatovic
CEO
Klever Coverage Means Smarter Protection
We don’t believe in one-size-fits-all insurance. We believe in coverage that fits your life, backed by local expertise, honest advice, and a commitment to long-term value.
Why Choose Kelver?
At Klever, we believe your home deserves more than a bargain-bin policy. It deserves smart protection—coverage that’s built around your life, your needs, and your peace of mind.
Tailored Protection
Every home is unique. We take the time to understand your property and lifestyle so we can match you with coverage that fits—not just the cheapest option, but the right one.
Real Value, Not Just Low Prices
We’re not here to sell you the bare minimum. We’re here to help you protect what matters most. Our policies offer comprehensive protection, competitive pricing, and long-term value.
Local Expertise
Based in Texas, we know the risks homeowners face—from hailstorms to foundation issues. Our team is here to guide you with local knowledge and personalized service.
Flexible Options
Whether you own a house, condo, or rental property, we offer flexible coverage options including:
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Dwelling protection
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Personal property coverage
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Liability protection
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Additional living expenses
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Flood and windstorm add-ons
