Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
The 78209 rental market is one of the most durable in San Antonio: historic homes, garage apartments, and duplexes leased to professionals who want Alamo Heights ISD and a short commute downtown. Harvey Insurance writes landlord coverage built around what those buildings actually are.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Insuring a 1920s rental is a different exercise from insuring a newer one. The tile or slate roof costs a multiple to repair after a Bexar County hailstorm. The original plumbing and wiring behind the plaster raise the odds of a water or fire loss and can affect which carriers will write it at all. Ordinance-or-law coverage matters more than owners expect, because repairing older construction often triggers current-code upgrades the base policy will not pay for. And many of these properties include a garage apartment or a converted duplex unit — a separate occupancy that has to be disclosed. We write the dwelling to a real reconstruction figure, add ordinance-or-law, and set loss of rents to a realistic repair timeline for period construction.
Get a Free Landlord QuoteA homeowners policy assumes you live in the home — the moment a tenant moves in, it’s the wrong contract. Landlord coverage is built for rental property: the structure, your liability as an owner, and the rent checks a covered loss would interrupt.
An Alamo Heights rental carries historic-construction risk on top of the neighborhood’s weather.
A hail claim on a historic tile roof is one of the largest a landlord policy will see in San Antonio. Replacement cost rather than actual cash value is what decides whether the owner or the carrier absorbs it.
Repairing older construction frequently triggers current building-code requirements. Without ordinance-or-law coverage, that difference comes out of the owner’s pocket.
Century-old supply lines and legacy wiring drive water and fire claims in this housing stock, and they are the first thing a carrier asks about on an older 78209 property.
The 78209 rental market draws from downtown, the medical corridor, and the schools — five slices.
Original homes leased to professionals who want the neighborhood without the maintenance of ownership — steady, long tenancies.
Secondary units behind the main house, common throughout Alamo Heights and routinely left off the policy by mistake.
Older homes divided into two units, where the occupancy on the policy has to match what is actually leased.
Households renting into Alamo Heights ISD, generally low-turnover and lease-stable.
Walkable rentals near the commercial corridor drawing younger professional tenants and faster turnover.
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, including those that will properly write historic construction — so our Alamo Heights owners get coverage that matches the building.
We understand the specific risks Alamo Heights property owners 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.
Tile roof at replacement cost, ordinance-or-law included, occupancy written correctly. We’ll quote today.
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Harvey Insurance also proudly serves the smaller communities around Alamo Heights, including Terrell Hills and Olmos Park.
Own the home you live in too? See our Alamo Heights homeowners insurance.
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