Boerne, TX · Kendall County

Boerne
Homeowners Insurance

Boerne mixes historic limestone and frame homes around the downtown square with sprawling Hill Country estates and newer master-planned subdivisions out along the ranch roads. Harvey Insurance writes Boerne policies and we know how this stretch of Kendall County is built.

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~21K
Boerne Population
~$460K
Median Home Value
Kendall
County Served
Hail
Top Claim Driver

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

We Know How Boerne Is Built

Boerne’s housing runs from historic limestone and frame homes around the downtown square and along Cibolo Creek to large Hill Country estates in communities like Cordillera Ranch and newer master-planned subdivisions out along the ranch roads. Spring hail is the claim we see most here, and higher rebuild costs on custom homes mean an undersized dwelling limit hurts the most. We’ve been writing Boerne policies for years and we’ll walk through what your roof, your build, and your dwelling limit actually call for.

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What’s Covered

Homeowners Insurance Coverage Details

Your 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 from whatever life throws at it — severe weather, fire, theft, and more.

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

What actually damages homes here

Boerne sits in the Hill Country along Cibolo Creek, and a handful of claims show up year after year. Worth understanding before you renew.

Spring

Severe Hail & Wind

The greater San Antonio area is among the most hail-prone in Texas, and Boerne sees its share. On larger custom homes a full roof-and-exterior replacement runs high — we make sure your dwelling limit and roof settlement reflect true replacement cost.

Storm Season

Flash Flooding

Cibolo Creek and the Hill Country terrain around Boerne can send water moving fast after heavy rain, and flood is never part of a standard homeowners policy. We help you check your flood zone and add NFIP or private flood coverage where it makes sense.

Year-Round

Everyday Losses

Summer heat, sudden freezes and water backup account for more claims here than any single catastrophe.

Neighborhoods We Serve

Boerne coverage, neighborhood by neighborhood

Boerne runs from the historic downtown to gated Hill Country estates, with values that reward accurate coverage. A few we write often:

Cordillera Ranch

A large gated golf-and-ranch community with high-end estates — high rebuild values and outbuildings that deserve a close look.

Esperanza

A newer master-planned community with modern homes and current replacement values.

Tapatio Springs

A golf-resort community west of town with custom homes on Hill Country lots.

Fair Oaks Ranch

An established affluent community of larger homes on the southeast edge of the Boerne area.

Menger Springs

An established neighborhood near town with a mix of home ages and sizes close to Cibolo Creek.

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 carriers in the country — giving our Boerne clients access to strong coverage and reliable claims support.

02

True Local Expertise

We understand the specific risks Boerne residents face and write every policy with that in mind.

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.

Client Reviews

Real people. Real results.

Ready to insure your Boerne home?

Coverage built for the Boerne Hill Country — from the historic square to Cordillera Ranch — with same-day callbacks from a local agent.

Service Area
All of Texas
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FAQ

Common Boerne homeowners insurance questions

Is wildfire covered by a standard homeowners policy?
Yes. Fire is the oldest covered peril there is, and a wildfire reaching the house is a covered loss on essentially every form. The question in the Hill Country is not whether the peril is insured but whether a carrier will write the address at all, and on what terms — which is a very different problem from a coverage gap.
Why does my carrier ask about brush clearance?
Because the space immediately around a structure largely determines whether it survives an approaching fire. Underwriters here look at cleared distance, overhanging limbs, the material of the roof and deck, and access for a fire truck. These are conditions you can actually change, and doing so tends to improve both the availability of coverage and the price.
Can a carrier drop me for wildfire risk?
It happens, particularly after a bad season shifts a company’s appetite for brush-country exposure. It is rarely personal and it is usually survivable — other carriers and the surplus lines market write these properties. The useful move is to keep the property in demonstrably good shape and to start looking early rather than in the last week of a notice period.
I am on a well and septic. Are those insured?
Generally under the other structures limit rather than as part of the dwelling, and the equipment itself may be treated differently from the structure around it. A failed pump from ordinary wear is maintenance rather than a claim, while damage from a covered peril such as fire or lightning is a different matter. On acreage properties these are worth listing rather than assuming.
Nearby Cities

Homeowners insurance across San Antonio & the Hill Country

Canyon Lake homeowners insurance Cibolo homeowners insurance Converse homeowners insurance Fredericksburg homeowners insurance Helotes homeowners insurance Kerrville homeowners insurance

Harvey Insurance also proudly serves the smaller communities around Boerne, including Comfort, Welfare, and Sisterdale.

Need to cover your car in Boerne too? See our Boerne auto insurance.

Travel by RV around Boerne? See our Boerne RV & motorhome insurance.

Also in Boerne: Boerne renters insurance, Boerne landlord insurance, Boerne life insurance, and Boerne umbrella insurance.