Personal Lines

Texas
Homeowners Insurance

Texas homes face a range of weather realities depending on where you are — North Texas hail, Gulf Coast hurricane, Hill Country flash flooding. Harvey Insurance writes homeowners policies across the state, with the local context to do it right.

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5★
Average Rating
10+
Years in Business
1,000+
Families Protected
24/7
Claims Support

Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.

Texas Homeowners Coverage Done Right

Texas isn’t one weather market — it’s several. North Texas is hail country, the Gulf Coast deals with hurricane season, the Hill Country sees flash flooding, the panhandle gets wind. A homeowners policy that fits well in Frisco isn’t the same one that fits in Galveston, and Harvey Insurance has been writing across the state for years. We know the questions worth asking for your part of Texas. Give us a call and we’ll walk through what fits your home.

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What’s Covered

Homeowners Insurance Coverage Details

Your home is likely the largest investment you'll ever make. We work with the nation's most trusted carriers to make sure that investment is protected from whatever life throws at it — severe weather, fire, theft, and more.

Dwelling Coverage
Pays to repair or rebuild your home if damaged by a covered event like fire, hail, or a severe storm.
Personal Property
Covers your furniture, electronics, clothing, and belongings if they're stolen or damaged.
Liability Protection
Protects you if someone is injured on your property and you're held responsible for medical or legal costs.
Loss of Use (ALE)
Pays for temporary housing and living expenses if your home becomes uninhabitable after a covered loss.
Medical Payments
Covers medical expenses for guests injured on your property, regardless of who is at fault.
Other Structures
Protects detached garages, fences, sheds, and other structures on your property.
Across Texas

What’s distinct about homeowners insurance in Texas

Texas is large enough that the right home policy depends a lot on where you live. A few of the patterns we see across the state:

North Texas

Hail Country

DFW and the broader North Texas region are among the most active hail corridors in the country. Spring storm seasons reliably produce roof damage, and homeowners coverage here needs to take that seriously.

Gulf Coast

Hurricane & Flood

Houston, Corpus Christi, and the entire Gulf Coast deal with hurricane season every year. Wind, water, and surge are real factors, and many coastal Texas homeowners need flood and windstorm coverage beyond a standard policy.

Hill Country & Beyond

Flash Flooding & Wind

Central Texas topography means flash flooding can come fast in the Hill Country. The Panhandle and West Texas see severe wind and the occasional tornado. Different parts of the state, different risk mix — we know the local context.

Why Harvey Insurance

Built on trust. Driven by service.

We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.

01

Backed by Trusted Carriers

We work with the most trusted and recognized carriers in the country — giving our Texas clients access to strong coverage and reliable claims support.

02

True Local Expertise

We understand the specific risks Texas residents and businesses face and write every policy with that knowledge front and center.

03

Genuine Relationships

When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.

Client Reviews

Real people. Real results.

Ready to insure your Texas home?

Quotes for every corner of the state — same-day callbacks from a local agent who knows your market.

Location
Addison, TX — Serving TX, OK & AR
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Coverage Areas

Texas Cities We Serve

We provide homeowners insurance to families and businesses across Texas. Select your region to find your city and get local coverage details.

DFW Metroplex
Addison Allen Argyle Arlington Burleson Carrollton Celina Dallas Denton DeSoto Euless Fate Flower Mound Forney Fort Worth Frisco Garland Grand Prairie Grapevine Haltom City Haslet Irving Justin Keller Lewisville Little Elm Mansfield McKinney Mesquite North Richland Hills Northlake Plano Prosper Richardson Rockwall Rowlett Royse City Sherman Southlake The Colony Waxahachie Weatherford Wylie
Greater Houston
Atascocita Baytown Beaumont Channelview Clute Conroe Cypress Deer Park Dickinson Friendswood Galveston Houston Humble Katy La Marque La Porte Lake Jackson League City Missouri City Orange Pasadena Pearland Port Arthur Richmond Rosenberg Seabrook Spring Stafford Sugar Land Texas City The Woodlands Tomball Webster
Austin Metro
San Antonio & Hill Country
West Texas & Permian Basin
Andrews Big Spring Del Rio Fort Stockton Midland Monahans Odessa Pecos San Angelo Snyder Sweetwater
Texas Panhandle
Amarillo Borger Canyon Childress Dalhart Dumas Hereford Pampa Perryton
South Plains
Brownfield Lamesa Levelland Lubbock Plainview Slaton Wolfforth
East Texas
Athens Carthage Henderson Jacksonville Kilgore Lindale Longview Lufkin Marshall Nacogdoches Palestine Paris Texarkana Tyler
Central Texas
Belton Brownwood Copperas Cove Gatesville Harker Heights Hillsboro Killeen Lampasas Robinson Temple Waco Woodway
South Texas & Rio Grande Valley
Brownsville Eagle Pass Edinburg Harlingen Laredo McAllen Mercedes Mission Pharr Rio Grande City San Benito Weslaco
Gulf Coast
Bay City Corpus Christi Freeport Ingleside Kingsville Port Aransas Port Lavaca Rockport Victoria

These are just a handful of the communities we serve — we cover the entire great state of Texas. Don't see your city? Give us a call — we likely cover it.