Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Kerrville is a Texas Hill Country town set along the Guadalupe River — a retirement, arts, and outdoor-recreation community with everything from established in-town homes to acreage builds and golf-course neighborhoods. Riverside and low-lying property changes the coverage conversation here, and Harvey Insurance writes Kerrville policies and we know how this stretch of Kerr County is built.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Kerrville’s housing runs from established in-town homes near the historic downtown and Schreiner University to golf-course neighborhoods like Comanche Trace and Riverhill and acreage builds out in the surrounding hills. Because so much of the area sits along the Guadalupe River and its creeks, flash flooding is a genuine, recurring consideration here — and flood is never part of a standard homeowners policy. We’ve been writing Kerrville policies for years and we’ll walk through what your build, your lot, and your flood exposure actually call for.
Get a Free Homeowners QuoteYour 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.
Kerrville sits in the Hill Country along the Guadalupe River, so its biggest risks look different from the metro suburbs. These are the ones worth understanding before you renew.
The Guadalupe River and the creeks that feed it can rise quickly during heavy Hill Country rain, and low-lying or riverside lots carry real exposure. Flood is never part of a standard homeowners policy — we help you check your flood zone and look at NFIP or private flood coverage where it makes sense for your property.
Spring storms push hail and high wind across the Hill Country, and roof and exterior claims follow. We make sure your dwelling limit and roof settlement actually reflect what it would cost to rebuild here.
Beyond storms, everyday exposure still drives claims — summer heat and dry spells, burst pipes in a hard freeze, plus theft and liability on acreage and in-town lots alike. We round out coverage so the routine risks are handled too.
Kerrville mixes established in-town homes, golf-course communities, and Hill Country acreage, and build type and flood exposure vary widely. A few we write often:
A master-planned golf community along the Guadalupe with newer, larger homes — higher rebuild values that dwelling limits need to keep pace with.
An established golf-course neighborhood with custom homes near the river, where riverside and low-lying lots make flood coverage worth a close look.
An older, affordable neighborhood of cozy homes on larger lots near Schreiner Golf Course — worth reviewing for roof age and updated systems.
A gated Hill Country community with custom builds on generous lots, where accurate dwelling limits matter most to coverage.
A quieter neighborhood prized for privacy and Hill Country views, with homes on elevated, wooded lots that each carry their own coverage nuances.
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 — giving our Kerrville clients access to strong coverage and reliable claims support.
We understand the specific risks Kerrville residents face and write every policy with that in mind.
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.
Coverage built for Hill Country Kerrville — from riverside lots to golf-course neighborhoods — with same-day callbacks from a local agent.
Get a Free Homeowners QuoteKirby homeowners insurance Leon Valley homeowners insurance Live Oak homeowners insurance New Braunfels homeowners insurance San Antonio homeowners insurance Schertz homeowners insurance
Harvey Insurance also proudly serves the smaller communities around Kerrville, including Ingram, Center Point, Hunt, and Mountain Home.
Need to cover your car in Kerrville too? See our Kerrville auto insurance.
Also in Kerrville: Kerrville renters insurance, Kerrville life insurance, and Kerrville umbrella insurance.
Travel by RV around Kerrville? See our Kerrville RV & motorhome insurance.