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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~20K
Boerne Population
$500K
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. We work with the nation's most trusted carriers to make sure that investment is protected — severe weather, fire, theft, and more.

Dwelling Coverage
Pays to repair or rebuild your home if damaged by fire, hail, or a severe storm.
Personal Property
Covers your furniture, electronics, clothing, and belongings if stolen or damaged.
Liability Protection
Protects you if someone is injured on your property and you're held responsible.
Loss of Use
Pays for temporary housing if your home becomes uninhabitable after a covered loss.
Medical Payments
Covers medical expenses for guests injured on your property, regardless of fault.
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

Heat, Water & Theft

Sudden freezes burst pipes, summer heat wears on roofs, and theft and liability exposure vary lot to lot. We help you think through water backup, personal property, and the right liability limits.

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.

Location
Addison, TX — Serving All of Texas
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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.

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

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