Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Port Aransas sits on the north end of Mustang Island, a barrier-island beach town of stilt-built coastal homes, canal-front houses, and high-end resort communities facing the open Gulf. Hurricane Harvey came ashore here in 2017 and damaged the vast majority of homes, so Harvey Insurance writes island coverage with that rebuild reality firmly in mind.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Much of Port Aransas was rebuilt after Harvey to tougher coastal-construction standards — elevated, stilt-built homes designed to take wind and let surge pass beneath. On a barrier island, the homeowners base policy almost always excludes wind and hail, so a TWIA windstorm policy is mandatory in practice, and flood coverage through the NFIP or a private carrier is just as essential for surge. Many Port A homes are also second homes or short-term rentals, which changes the policy form entirely. We help island owners line up windstorm, flood, and the right occupancy coverage so nothing falls through the cracks.
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 barrier-island town facing the open Gulf, Port Aransas sits at the sharp end of Texas hurricane risk, with wind and surge defining nearly every coverage decision.
Hurricane Harvey made landfall near Port Aransas in 2017 as a Category 4, damaging the great majority of the island’s homes and businesses. Wind and hail are excluded from the base homeowners policy on the island, so a TWIA windstorm policy is the coverage that actually pays for that damage.
Surrounded by Gulf and bay, Port Aransas faces surge that can sweep across low ground during any tropical system — the reason so many homes are built on stilts. Because flood is never covered by homeowners or windstorm policies, an NFIP or private flood policy is essential, and elevation certificates help set the right rate.
With so many properties used as vacation rentals or second homes, standard homeowners forms often don’t apply, and unoccupied stretches raise theft and water-damage risk. A landlord or short-term-rental policy with the right liability limits protects owners who rent to visitors.
From historic Old Town to the resort communities and canal homes, we write coverage across every part of Port Aransas and Mustang Island.
The original heart of the island near the harbor mixes longtime cottages with rebuilt and elevated homes. Many older structures were raised or reconstructed after Harvey, and we make sure dwelling limits reflect today’s coastal-construction replacement cost, not an outdated valuation.
One of Port A’s earliest waterfront developments, with canal-front homes fed by Corpus Christi Bay and private marina and boat-ramp access. Dock equipment, lifts, and bulkheads sit outside the dwelling, so we confirm other-structures limits actually cover them.
This planned New Urbanism beachfront community on Mustang Island runs from custom homes to cottages and condos, many held as rentals. Short-term-rental occupancy changes the policy form entirely, and we pair the right landlord or dwelling form with TWIA windstorm coverage.
A gated subdivision on the edge of town with quick Gulf access and higher-value custom homes. Premium finishes and elevated builds deserve replacement-cost dwelling coverage and named-storm deductibles that owners understand before a storm, not after.
The Gulf-facing stretch south of town is lined with stilt-built beach houses designed to let surge pass beneath. Elevation certificates help set the flood rate here, and we layer NFIP or private flood with windstorm so wind and water are both covered.
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 Port Aransas clients access to strong coverage and reliable claims support.
We understand the specific risks Port Aransas 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.
Talk to a local agent who knows island construction, TWIA windstorm, and flood — with same-day callbacks for Port Aransas homeowners.
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Need to cover your car in Port Aransas too? See our Port Aransas auto insurance.