Flower Mound, TX · Denton County

Flower Mound
Homeowners Insurance

Flower Mound is one of Denton County’s most affluent communities — large-lot custom homes, master-planned neighborhoods, and some of the highest home values in Texas. Harvey Insurance writes Flower Mound policies and we know what high-value DFW homes require.

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~80K
Flower Mound Population
$625K
Median Home Value
Denton
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 High-Value Flower Mound Homes

Flower Mound consistently ranks among the best — and most expensive — places to live in Texas, with custom estates in Bridlewood, master-planned living in Wellington, and large lots throughout. At these values, an accurate dwelling limit and the right roof settlement matter enormously, and spring hail is the leading claim. We’ve been writing Flower Mound policies for years and we’ll make sure your coverage reflects what it would actually cost to rebuild.

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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

Flower Mound’s high-value homes sit in DFW’s hail alley, which makes accurate coverage especially important.

Spring

Severe Hail & Wind

Spring hail is the leading claim in Flower Mound, and on large custom homes a full roof-and-exterior replacement is a major expense. We make sure your dwelling limit and roof settlement reflect true replacement cost rather than a depreciated payout.

Summer

Heat & Foundation

Clay soils swell and shrink through hot, dry summers, stressing foundations and plumbing in larger slab homes. We talk through where standard policies stop and what’s worth adding.

Year-Round

Water & High-Value Contents

Burst pipes, plus jewelry, art, and other high-value belongings, call for more than a base policy. We help Flower Mound owners schedule valuables and set water-backup and liability limits that fit the home.

Neighborhoods We Serve

Flower Mound coverage, neighborhood by neighborhood

Flower Mound runs from luxury estates to master-planned family living, with values that reward accurate coverage. A few we write often:

Bridlewood

Flower Mound’s premier equestrian-flavored estate community — among the highest home values in Texas, where dwelling limits must keep pace.

Wellington

A large master-planned community with pools, trails, and strong schools. Newer homes with solid, modern construction.

The Reserve

Upscale, established living with larger lots and custom homes that reward an accurate rebuild figure.

Canyon Falls

A newer master-planned community on the western edge, with modern builds and current replacement values.

Chimney Rock

An established, well-kept neighborhood with a range of family homes and steady demand.

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 Flower Mound clients access to strong coverage and reliable claims support.

02

True Local Expertise

We understand the specific risks Flower Mound 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 advocate for you, every time.

Client Reviews

Real people. Real results.

Ready to insure your Flower Mound home?

Coverage that keeps pace with Flower Mound home values — from Bridlewood to Wellington — with same-day callbacks from a local agent.

Location
Addison, TX — Serving All of Texas
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Nearby Cities

Homeowners insurance across the DFW Metroplex

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

Also in Flower Mound: Flower Mound renters insurance, Flower Mound life insurance, and Flower Mound umbrella insurance.