Texas

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.

FAQ

Common questions about Texas homeowners insurance

How much does homeowners insurance cost in Texas?
Texas is one of the pricier states for homeowners insurance, largely because of hail and wind exposure. Your specific premium depends on the home’s value, age, and location, the roof’s age and material, your claims history, and the deductibles you choose. The roof and the wind/hail deductible are usually the two biggest levers — a local quote takes a few minutes and gives you a real number instead of a statewide average.
What does a standard Texas homeowners policy cover?
The typical policy covers the dwelling itself, detached structures, your personal property, personal liability, and additional living expenses if a covered event makes the home unlivable. Wind and hail are generally covered, usually subject to a separate deductible. Our Texas homeowners coverage guide walks through what’s included and what commonly isn’t.
Does homeowners insurance cover flooding?
No — rising water is excluded from homeowners policies everywhere, including Texas. Flood protection is a separate policy through the National Flood Insurance Program or private flood carriers, and it’s worth pricing even outside mapped flood zones: a large share of flood claims come from properties outside high-risk areas.
What is a wind/hail deductible?
Many Texas policies carry a separate deductible for wind and hail claims, usually expressed as 1–5% of your dwelling coverage rather than a flat dollar amount. On a $400,000 home, a 2% wind/hail deductible means $8,000 out of pocket on a hail claim. Knowing that number before storm season — and deciding whether it’s the right one — is one of the most valuable five-minute conversations you can have with your agent.
Will filing a claim raise my rates?
Claims history does affect pricing, which is why it rarely makes sense to file for damage close to your deductible. Our advice: call your agent before filing. We’ll help you weigh whether the damage justifies a claim, and a claim you don’t file is one that never shows up in your history.
How can I lower my homeowners premium?
The reliable levers: bundle home and auto with one carrier (usually the largest single discount), consider an impact-resistant roof when it’s time to replace, raise deductibles to the highest amount you could comfortably absorb, and review the policy annually so you’re not paying for outdated assumptions. We do that review with clients as a matter of course.
Beyond the House

Toys, trailers & recreational coverage

The boat, the camper, the four-wheeler in the garage — the things a homeowners policy barely touches each deserve a policy of their own.

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
El Paso & Far West Texas
Greater Houston
Austin Metro
San Antonio & Hill Country
West Texas & Permian Basin
Texas Panhandle
South Plains
East Texas
Central Texas
South Texas & Rio Grande Valley
Gulf Coast

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.