Abigail, who needs renters insurance in Houston, writes in with a pretty specific question, but one we’ve heard before. She asks,
Can I get renters insurance if my parents have had a homeowners claim? My parents had some water damage not too long ago that turned out to be a bit worse than it looks. Now I’m not sure if I can get the renters insurance that I need!
Can I Get Renters Insurance If My Parents Have Made Homeowners Insurance Claims?
We often get asked if it’s possible to get renters insurance after one’s parents have made a homeowners insurance claim. Effective Coverage has good news for you. It’s definitely possible, but you need to work with a renters insurance expert.
Thanks for the awesome question Abigail! Can you get renters insurance if your parents have had a homeowners insurance claim? Of course! There are a few ways this could affect you. First, you’ll have to convince the insurance carrier that you’re not your parent which shouldn’t be difficult. Next, you’ll need to prove that they don’t live there anymore. This can be done with land records, or even their own homeowners or renters insurance policy with a different address on it.
The insurance carrier you apply for coverage with to get your Houston Renters Insurance might run something called a CLUE (Comprehensive Loss Underwriting Exchange) report. This report will look for claims based on two pieces of data, the risk address and you as an individual. The claim will evidently come up on the risk address, but a good Texas Renters Insurance will have direct access to underwriters who can review the situation, note that the person living at the risk address has changed, and fix the issue to get you covered.

Renters Insurance
That kind of direct access to the underwriters means that you’re being rated fairly, and without regard to a claim that you didn’t make. Also, expect to have any past claims taken into account by The CLUE report. Depending on the type of claim, this may affect your rate. The carrier might want to know in your particular instance, if the risk of water damage has been fixed, or only the damage itself. Was it a badly leaking basement? Was it a result of a freak storm that blew a rock through your window and let the rain in? Was it negligence? If there’s something wrong with the house that should have been fixed to mitigate the risk of future damage recurrence, an underwriter might want some proof of that. It might be receipts, pictures, or some insurance carriers may occasionally order an outside inspection after the policy has been bound.
So, Can I Get Renters Insurance If My Parents Have Had A Homeowners Claim?
You can absolutely get renters insurance if your parents have had a claim. What you want is to work with a Texas Renters Insurance provider with access to many markets and one who can get you the least expensive policy to fully meets your needs. This policy should work the best for you, regardless of your claim history, or that of your parents. Remember that Effective Coverage is able to get policies underwritten by markets that other providers just don’t have access to. Whatever your history may be, Effective Coverage has a renters insurance policy in Houston or elsewhere in Texas that will fit your needs and budget exactly! Call Effective Coverage at (800)892-4308 or click above for a free quote or a review of your current renters insurance policy to make sure your coverage is what you think it is and that it’s priced appropriately!