Cleaver Insurance Agency

Cleaver Insurance Agency Locally owned Farmers Insurance agency. DFW and all of Texas. People over policies.

🚘 INSURANCE MYTH“I have full coverage.”It’s one of the most common phrases we hear about Auto insurance.But here’s the p...
09/04/2026

🚘 INSURANCE MYTH

“I have full coverage.”

It’s one of the most common phrases we hear about Auto insurance.

But here’s the problem:

“Full coverage” doesn’t have one universal meaning.

It may be shorthand for having liability, comprehensive and collision coverage, but that still doesn’t tell you everything about the policy.

What about:

🛡️ Your liability limits?
💥 Your deductibles?
🚙 Uninsured/Underinsured Motorist coverage?
🏥 Medical Payments or PIP, where applicable?
🔑 Rental or other optional coverages?

Two drivers can both say they have “full coverage” and have very different policies.

🔎 A better question:

“What coverage do I actually have?”

Knowing what’s on your policy is more useful than relying on a label.

🔗 Learn more about Auto Insurance:
https://cleaveragency.com/coverage-auto

📞 (682) 474-0174
Cleaver Insurance Agency | Bartonville, Texas

🏡 HOMEOWNER INSIGHTS📅 Quick insurance self-check:Do you know when your Home insurance renews?YES = I know itNO = I don't...
09/03/2026

🏡 HOMEOWNER INSIGHTS

📅 Quick insurance self-check:

Do you know when your Home insurance renews?

YES = I know it
NO = I don't
CHECK = I'd have to look

Which one are you?

Why does the date matter?

Your renewal is a natural time to look beyond the new premium and ask whether anything has changed.

🏠 Major home improvements?
🌳 New structures or property changes?
🌩️ Different deductibles or coverage?
👨‍👩‍👧 Changes in your household?

And you don't have to wait for renewal. If something significant changes during the year, that's a good reason to review your coverage then too.

🔎 If your answer was CHECK, that's actually a pretty good place to start.

🔗 Learn more about reviewing your coverage:
https://cleaveragency.com/coverage-review

📞 (682) 474-0174
Cleaver Insurance Agency | Bartonville, Texas

❤️ LIFE HAPPENSLife insurance can feel complicated before the conversation even starts.Term? Whole Life? IUL?Here’s the ...
09/02/2026

❤️ LIFE HAPPENS

Life insurance can feel complicated before the conversation even starts.

Term? Whole Life? IUL?

Here’s the good news:

You don’t have to start with the product.

Start with your life:

👨‍👩‍👧 Who depends on your income?
🏠 What financial obligations would remain?
📅 How long might those needs continue?
📋 What coverage do you already have?
💰 What comfortably fits your budget?

Once you understand the need, comparing the different types of Life insurance becomes much easier.

🔎 You don't need to know whether Term Life, Whole Life or IUL is right for you before starting the conversation.

That's what the conversation is for.

September is Life Insurance Awareness Month. If Life insurance has been sitting on your "I'll get to it" list, this is a good time to start by understanding your options.

🔗 Start here:
https://cleaveragency.com/articles/types-of-life-insurance-texas

📞 (682) 474-0174
Cleaver Insurance Agency | Bartonville, Texas

🚗 AUTO INSIGHTSWhen people think about Auto insurance, they often think first about their own vehicle.But that’s only pa...
09/01/2026

🚗 AUTO INSIGHTS

When people think about Auto insurance, they often think first about their own vehicle.

But that’s only part of the conversation.

Liability coverage can help address bodily injury or property damage you’re legally responsible for after a covered accident, subject to your policy’s terms and limits.

Two things worth understanding:

👤 Bodily injury liability
🚙 Property damage liability

The important question isn’t simply, “Do I have Auto insurance?”

🔎 It’s also, “Do I understand the liability coverage I carry?”

We’ll take that question one step further next week.

🔗 Learn more about Auto Insurance:
https://cleaveragency.com/coverage-auto

📞 (682) 474-0174
Cleaver Insurance Agency | Bartonville, Texas

🏢 BACK TO BUSINESS MONDAYYour tools may start the morning at the shop.By 8:00, they could be in a truck, at a jobsite, o...
08/31/2026

🏢 BACK TO BUSINESS MONDAY

Your tools may start the morning at the shop.

By 8:00, they could be in a truck, at a jobsite, or across town with your crew.

🛠️ So here’s a question worth asking:

How is your business equipment covered when it leaves your primary location?

Tools and equipment that regularly travel to jobsites or customer locations may have different coverage considerations than property that stays at your business.

🔧 Tools and specialized equipment
🚚 Equipment transported between locations
🏗️ Property used at temporary jobsites
💻 Business equipment used away from the office

The answer depends on your business, how the equipment is used, where it travels, and your policy.

👉 If your tools leave the shop, make sure your insurance agent understands where they go.

🔗 Learn more:
https://cleaveragency.com/coverage-business

📞 (682) 474-0174
Cleaver Insurance Agency | Bartonville, Texas

What is Medical Payments coverage on an auto policy?When people think about auto insurance, they often focus on damage t...
08/18/2026

What is Medical Payments coverage on an auto policy?

When people think about auto insurance, they often focus on damage to the vehicles.

But what about injuries?

Medical Payments coverage, often called MedPay, may help pay certain medical expenses for you and your passengers after a covered auto accident, subject to the policy's terms and limits.

It is different from liability coverage.

Liability coverage generally addresses injuries or property damage you are legally responsible for causing to others. MedPay is designed to address certain medical expenses for covered people under your own policy, regardless of who caused the accident, subject to policy terms.

The important takeaway: don't just look at whether "MedPay" appears on your policy. Understand **who it covers, what expenses may qualify, and what limit you selected.**

Learn more about Auto Insurance:
https://cleaveragency.com/coverage-auto

Cleaver Insurance Agency
Bartonville, TX
(682) 474-0174

What happens to your business income when you can't operate?Property insurance may help with covered physical damage to ...
08/17/2026

What happens to your business income when you can't operate?

Property insurance may help with covered physical damage to your building or business property. But the financial impact of a shutdown can go beyond repairing what was damaged.

Depending on the policy and circumstances, Business Income coverage, sometimes called Business Interruption coverage, may help replace lost income and help with certain continuing expenses when a covered loss causes your business to suspend operations.

The important distinction: Business Income coverage does not apply to every reason a business might be unable to operate. The cause of the interruption and the specific policy terms matter.

For Texas business owners, this is one of those coverages worth understanding before you need it.

Learn more about Business Insurance:
https://cleaveragency.com/coverage-business

Cleaver Insurance Agency
Bartonville, TX
(682) 474-0174

LIFE HAPPENS WEDNESDAYHow much life insurance do you actually need?There isn’t one number that works for every family. A...
08/12/2026

LIFE HAPPENS WEDNESDAY

How much life insurance do you actually need?

There isn’t one number that works for every family. A useful place to start is looking at the financial responsibilities your family could face if you were no longer there to provide for them.

One approach is D.I.M.E.:

D | Debt
Credit cards, auto loans, student loans and other personal debt.

I | Income
How much income might your family need, and for how many years?

M | Mortgage
What is the remaining balance on your home?

E | Expenses
Final expenses, immediate cash needs, education costs, child care and other anticipated needs.

Add those needs together, then consider the life insurance you already own. The difference can help identify a potential coverage gap.

Life insurance doesn’t have to start with choosing a policy. It can start with understanding the numbers.

Have questions about what the right amount might look like for your family? We can help you work through it.

📞 (682) 474-0174
📍 Cleaver Insurance Agency | Bartonville, TX
🔗 https://cleaveragency.com/coverage-life

AUTO INSIGHTSWhat happens if the driver who hits you doesn’t have enough insurance?That’s where Uninsured and Underinsur...
08/11/2026

AUTO INSIGHTS

What happens if the driver who hits you doesn’t have enough insurance?

That’s where Uninsured and Underinsured Motorist coverage can become important.

Uninsured Motorist coverage can help when an at-fault driver has no insurance.

Underinsured Motorist coverage can help when the at-fault driver has insurance, but their liability limits aren’t enough to cover your damages.

And it isn’t only about damage to your vehicle. Depending on the coverage and circumstances, UM/UIM coverage may also help with certain medical expenses and other covered losses after an accident.

The important part is knowing what protection you have before you need it.

Not sure what UM/UIM coverage you currently have? We can help you review your auto policy.

📞 (682) 474-0174
📍 Cleaver Insurance Agency | Bartonville, TX
🔗 https://cleaveragency.com/coverage-auto

BACK TO BUSINESS MONDAYGeneral Liability and a Business Owner’s Policy aren’t the same thing.General Liability is design...
08/10/2026

BACK TO BUSINESS MONDAY

General Liability and a Business Owner’s Policy aren’t the same thing.

General Liability is designed to help protect a business from certain third-party claims, such as bodily injury, property damage, and certain advertising injuries.

A Business Owner’s Policy, commonly called a BOP, typically combines General Liability with coverage for business property and other protections in one policy.

For many small businesses, the important question isn’t simply, “Do I have liability insurance?”

It’s whether the policy actually matches what the business owns, does, and could be responsible for.

As your business changes, your insurance needs can change too.

Not sure what your current business policy actually covers? We can help you review it.

📞 (682) 474-0174
📍 Cleaver Insurance Agency | Bartonville, TX
🔗 https://cleaveragency.com/coverage-business

Address

2650 Fm 407 E Ste 225
Bartonville, TX
76226

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16824740174

Website

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