Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Renting out a Texas property is a different insurance conversation than insuring the home you live in. Different exposures, different policy language, different priorities — and Harvey Insurance has been writing landlord policies for Texas property owners for years.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Texas rental markets have grown alongside the broader population boom — Austin tech relocations, DFW corporate growth, Houston energy hires. A homeowners policy generally won’t cover a property you don’t live in. Landlord insurance (often written as a DP-3 dwelling policy) is its own product, structured around rental-property realities: dwelling damage, tenant-caused vandalism, liability from injuries on the property, and lost rental income when a covered loss makes the property uninhabitable. We’ve been writing landlord policies for Texas property owners for years. Give us a call and we’ll walk through what fits your portfolio.
Get a Free Landlord QuoteA rental property is an investment, and it carries different exposures than the home you live in. We work with the nation's most trusted carriers to make sure that investment is protected — storm damage, tenant-caused issues, liability claims, and lost rental income when a covered loss takes the property offline.
Three considerations come up consistently for Texas rental-property owners:
Rental properties face the same Texas weather realities as primary homes — hail in North Texas, hurricane along the coast, flash flooding in the Hill Country. The added wrinkle: when a covered loss takes the property offline, you’re also losing rental income. Loss-of-rents coverage matters.
Tenants, their guests, and contractors all create liability exposure. Slip-and-fall claims, dog-related incidents, vandalism, and accidental damage are part of writing a landlord policy. The right liability limits matter more than they would on a personal home.
Standard policies sometimes restrict coverage if a rental sits vacant beyond a certain window. Between tenants, during renovations, or after a market shift, vacancy gaps can leave you exposed. Worth understanding what your policy says before you need it.
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 Texas clients access to strong coverage and reliable claims support.
We understand the specific risks Texas residents and businesses 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.
FAQ
Quotes for single-property owners and multi-unit portfolios — same-day callbacks from a local agent.
Get a Free Landlord QuoteCoverage Areas
We write landlord and rental-property policies across Texas. Browse the regions below to see the markets we serve.
These are just a handful of the communities we serve — we cover the entire great state of Texas. Don't see your city? Give us a call — we likely cover it.