Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Laid out around Turtle Creek in the 1900s and built out in Tudor, Georgian, and Mediterranean stone, Highland Park is one of the few places in Texas where the cost to rebuild a house has almost nothing to do with what the tax roll says. Harvey Insurance writes Park Cities homes to that real number.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
The mistake we correct most often in Highland Park is a dwelling limit that was set from a valuation model instead of the house. These homes carry slate and clay-tile roofs, quarter-sawn millwork, plaster walls, leaded glass, and stonework that no production builder stocks — and after a loss those are replaced by trade craftsmen at trade-craftsman rates. A limit that would rebuild a comparable square footage in a newer suburb can fall short here by a wide margin. We write Park Cities homes on high-value carrier forms with extended or guaranteed replacement cost, look hard at Turtle Creek flood exposure by address, and get Highland Park quotes back the 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.
Highland Park’s claims cluster around three things: the hail, the creek, and the cost of putting these houses back.
Highland Park sits in the DFW hail corridor, but its roofs are not composition shingle. Slate, clay tile, and standing-seam copper cost multiples to repair, and a policy written with an actual-cash-value roof endorsement will not come close. Replacement cost on the roof is the line that matters here.
Turtle Creek runs the length of the town, and the streets that fall toward it take water in a hard North Texas rain. Homeowners policies exclude rising water everywhere, so on a creek-adjacent lot a separate flood policy is not optional — it is the difference between a covered loss and a rebuild out of pocket.
A century-old estate with hand-finished detail cannot be rebuilt at a per-square-foot average. When the dwelling limit is short, every other limit tied to it — contents, other structures, loss of use — is short too. We reset the figure to a real reconstruction estimate before anything else.
We write across Highland Park’s creek lots, its landmark boulevards, and its original estate streets.
The creek-front addresses, where the highest values in town meet the town’s only real flood exposure — both belong in the same conversation.
The landmark boulevard, with large-lot estates whose rebuild cost runs well past what a standard valuation tool will produce.
Original 1920s construction with the millwork, plaster, and stonework that make replacement cost a craftsman question rather than a square-footage one.
Walkable blocks around the 1931 shopping center, where higher land value and dense lots make other-structures and loss-of-use limits worth a second look.
Family streets where teardown-and-rebuild is common — a brand-new home on an old lot needs its limit set from the build, not the block.
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 — including the high-value home programs Park Cities properties actually need — giving our Highland Park clients coverage and claims support that match the houses.
We understand the specific risks Highland Park 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.
A creek-side estate or a new build behind an old facade, we’ll set the rebuild number honestly and quote it today.
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