Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Alamo Heights was built in the 1920s on the hills above the Olmos Basin, in Spanish Colonial stucco and clay tile that San Antonio has never really stopped imitating. Those roofs are beautiful and they are expensive to replace. Harvey Insurance writes 78209 homes with that in mind.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
San Antonio is one of the most expensive hail markets in the country, and Alamo Heights carries the most expensive roofs in it. Clay tile and slate cost several times what composition shingle costs to repair, and an actual-cash-value roof endorsement on a ninety-year-old tile roof can leave an owner covering most of the claim. Below the house, the Blackland clay these hills sit on swells and shrinks with the season and moves foundations that were poured before anyone engineered for it. And below the neighborhood, the Olmos Basin does what it was built to do — hold water — which is a reminder that the creek system floods and that no homeowners policy covers rising water. We write replacement cost on the roof, flag foundation and flood exposure honestly, and quote Alamo Heights same-day.
Get a Free Homeowners QuoteYour home is likely the largest investment you'll ever make. Harvey Insurance works with the nation's most trusted carriers to make sure that investment is protected — severe weather, fire, theft, and more.
Alamo Heights risk is San Antonio hail, Olmos Creek water, and the clay under the slab.
Bexar County hail events have produced some of the costliest storm losses in Texas history. On a clay tile or slate roof the repair figure is a multiple of the composition-shingle norm, which makes replacement-cost roof coverage the single most important line on the policy.
The Olmos Basin exists because this drainage floods. Heavy Hill Country rain moves through the creek system fast, and homeowners policies exclude rising water everywhere — a separate flood policy is the only answer near the basin.
The clay soils under Alamo Heights swell and contract through the seasons, cracking slabs and stressing century-old foundations. Knowing exactly what your policy covers here — and what it does not — matters long before the cracks appear.
We write across Alamo Heights’ historic streets, its basin edge, and its Broadway corridor.
The city’s commercial spine, where historic homes sit close to steady traffic and mixed-use frontage raises the coverage questions.
Original 1920s estates with tile roofs and hand-finished detail, where replacement cost has to be calculated rather than estimated.
The lowest ground in the area and the most direct flood exposure — a separate flood policy belongs in every conversation here.
The busier eastern boundary, with a mix of housing eras and both traffic and drainage exposure.
Family streets where teardown-and-rebuild has begun to appear, and where a new build needs its limit reset from the build.
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 carriers in the country — giving our Alamo Heights clients replacement-cost roof coverage that respects tile and slate, and claims support after a Bexar County hail season.
We understand the specific risks Alamo Heights residents 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.
Tile roof, clay soil, creek nearby — we’ll price all three honestly and quote it today.
Get a Free Homeowners QuoteSan Antonio homeowners insurance Kirby homeowners insurance Live Oak homeowners insurance Leon Valley homeowners insurance
Harvey Insurance also proudly serves the smaller communities around Alamo Heights, including Terrell Hills and Olmos Park.
Need car coverage in Alamo Heights too? See our Alamo Heights auto insurance.
Browse more cities on our Texas homeowners insurance hub.