Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Owasso has grown from a small town north of Tulsa into one of the metro’s largest suburbs, and it sits in the part of Oklahoma that takes ice seriously. Harvey Insurance writes Tulsa County coverage here with attention to a coverage gap that ice storms find every time: the buried lines running from the street to the house.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Most homeowners assume the utility owns everything up to the meter. In practice the buried service lines on your side of the property line — the water supply, the sewer lateral, the electrical feed, the gas line, sometimes the internet conduit — are the homeowner’s responsibility to repair, and a standard homeowners policy does not cover them. It covers damage to the dwelling; it does not cover a failed pipe under the front lawn, or the excavation and landscaping needed to reach it. That bill runs into thousands before anything is repaired. Ice is what makes this an Owasso conversation rather than a general one. A hard freeze drives frost deeper than a shallow line was laid for, tree roots shift under saturated ground, and the damage shows up as a wet patch in the yard or a sewer that stops draining weeks after the storm. Service line coverage is an endorsement, it typically costs a few tens of dollars a year, and it is one of the highest-value-per-dollar additions available on a policy in this part of the state. The same conversation should cover the trees themselves, since debris removal on a wooded Owasso lot has its own sublimit.
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.
Owasso risk is a fast-grown suburb meeting northeastern Oklahoma ice.
Water, sewer, electric and gas lines on your side of the meter are yours to repair and are excluded from a standard policy. The endorsement is inexpensive.
Ice storms bring limbs down across whole neighborhoods and take power with them, which is also when contractors are hardest to book.
Hail works this side of the metro every spring, and a subdivision built at once loses its roofs at once.
We write across Owasso’s golf communities, its established subdivisions and the new construction filling in around them.
A three-thousand-acre community built around a golf course and a hundred-acre lake, where values justify pricing extended replacement cost.
One of Owasso’s most established subdivisions, with mature trees over the rooflines and larger lots beneath them.
Family streets where service lines are old enough to have been through several freezes.
Older Owasso housing, generally on its second roof and its original buried plumbing.
Newer construction on the growth side, where a builder-arranged policy should be re-shopped at first renewal.
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 — and in Owasso we quote service line coverage by name, because ice finds it every few winters.
We understand the specific risks Owasso 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.
Ask what service line coverage costs. It is usually less than a tank of gas a year. Quoted today.
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Harvey Insurance also proudly serves the smaller communities around Owasso, including Collinsville, Sperry, and Skiatook.
Need car coverage in Owasso too? See our Owasso auto insurance.
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Also in Owasso: Owasso renters insurance and Owasso landlord insurance.