Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Built out block by block around Southern Methodist University, University Park mixes 1920s cottages that never left the family with new construction that replaced the house next door. Two eras, two very different rebuild figures. Harvey Insurance writes each one to its own number.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
University Park is really two insurance problems on the same street. The original homes — smaller, older, full of plaster and original wood — are routinely underinsured because their limit was set from square footage rather than from what it costs to restore period construction to code. The new builds that replaced their neighbors have the opposite issue: owners carry a limit from the old house long after a 5,000-square-foot rebuild went up on the lot. Add a canopy of mature pecans and red oaks that comes down in a North Texas windstorm, and the details matter. We walk the actual house, set the dwelling limit from a real reconstruction estimate, and quote University Park 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.
University Park claims run to storm damage, the tree canopy, and dwelling limits that no longer match the house.
Spring storms work the Park Cities hard, and roof claims lead everything else. Replacement-cost roof coverage — not actual cash value — is what keeps a hail claim from turning into a large out-of-pocket number.
The pecans and oaks that make these streets what they are also sit directly over roofs, cars, and neighbors’ property. Dwelling, other-structures, and debris-removal coverage all come into play when one comes down.
A new build on an old lot changes the rebuild math completely. Carrying the previous limit is the single most common gap we find in University Park, and it shows up only after a total loss.
We write across University Park’s campus edge, its estate pockets, and its rebuilt family blocks.
The city’s largest lots and highest values, where custom construction pushes rebuild cost well past any per-square-foot average.
Blocks where owner-occupied homes sit beside student rentals — occupancy matters, and it changes which policy form is correct.
Walkable streets around the historic shopping district, with older stock, dense lots, and higher land value under it.
Family blocks with a heavy tree canopy and steady teardown activity, where limits drift out of date fastest.
Homes along the city’s busiest north-south street, where traffic exposure and other-structures coverage both deserve a look.
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 University Park clients coverage built for the actual house on the lot and claims support that follows through.
We understand the specific risks University 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.
An original cottage or a rebuild on the same block, we’ll set the limit from the real number and quote it today.
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