Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
A barrier-island city rebuilt and raised after the catastrophic 1900 hurricane, Galveston pairs Victorian mansions in the East End with beachfront and canal homes stretching down the West End. Insuring a home on the island means taking wind and surge seriously, and Harvey Insurance structures every policy with the seawall’s lesson in mind.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Galveston’s housing is unlike anywhere else in the region — 19th-century landmark homes in the East End Historic District, raised beach houses on the West End, and condos along the seawall. Out here, wind coverage usually runs through a separate TWIA windstorm policy, storm surge falls under flood insurance, and elevation and construction type drive everything. Hurricane Ike in 2008 was a hard reminder of how much water an island home faces. We make sure all three layers — HO, wind, and flood — actually fit together. Talk with a Harvey agent who insures island property every 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 from whatever life throws at it — severe weather, fire, theft, and more.
As a Gulf barrier island, Galveston carries the region’s most concentrated tropical risk: hurricane wind first, storm surge close behind, and corrosive salt air all year.
Galveston is one of the most hurricane-exposed cities in Texas, and island homes almost always carry wind coverage through a separate TWIA windstorm policy. We confirm your TWIA limits and how they coordinate with the homeowners policy so wind damage is fully covered.
Surge is the island’s deadliest threat — Ike pushed feet of water across Galveston in 2008 — and it’s excluded from homeowners insurance entirely. A flood policy sized to your elevation is mandatory protection here, not an optional extra.
Relentless salt air and humidity corrode roofs, metal, and HVAC equipment faster on the island than anywhere inland. Keeping dwelling limits current ensures repairs and replacements meet today’s coastal building codes.
From the historic homes behind the seawall to the raised beach houses of the West End, we write homeowners coverage across the whole island.
A National Historic Landmark district of 19th-century Victorian and Greek Revival homes. These irreplaceable structures need replacement-cost coverage that accounts for period materials and craftsmanship.
A West End beachfront community of raised homes near the Galveston Country Club, popular for primary and second homes. Wind and flood coverage carry the most weight for these exposed coastal properties.
A resort community on the island’s far western tip with luxury homes and condos. Higher values and full Gulf exposure make accurate dwelling limits and layered wind-and-flood coverage essential.
A historic neighborhood of restored cottages and grand homes just off the seawall. Like the East End, its vintage housing calls for coverage tuned to true restoration cost.
Bayside and central-island neighborhoods of mid-century and newer homes near Offatts Bayou. Waterfront lots here keep flood and wind coverage at the top of the list.
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 Galveston clients access to strong coverage and reliable claims support.
We understand the specific risks Galveston 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.
Work with a local agent who understands TWIA windstorm, flood, and the realities of insuring a home on a barrier island — with same-day callbacks for Galveston.
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Need to cover your car in Galveston too? See our Galveston auto insurance.