Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
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.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
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.
Get a Free Homeowners QuoteYour 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.
A homeowners policy covers your belongings, but it treats a handful of categories differently: it pays up to a category limit no matter what the item was actually worth. A scheduled personal property rider lifts those pieces out of the cap and insures them individually, at a figure agreed in advance. It is an endorsement on the policy you already have, not a second policy.
Riders are usually inexpensive relative to what they protect, and a scheduled item is generally covered for more causes of loss than the base policy answers for. If the collection is large enough to outgrow an endorsement, it moves onto its own contract — see specialty insurance.
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:
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.
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.
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.
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.
We work with the most trusted and recognized carriers in the country — giving our Texas clients access to strong coverage and reliable claims support.
We understand the specific risks Texas residents and businesses face and write every policy with that knowledge front and center.
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.
FAQ
The boat, the camper, the four-wheeler in the garage — the things a homeowners policy barely touches each deserve a policy of their own.
Quotes for every corner of the state — same-day callbacks from a local agent who knows your market.
Get a Free Homeowners QuoteCoverage Areas
We provide homeowners insurance to families and businesses across Texas. Select your region to find your city and get local coverage details.
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.