Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
A majority-renter city with a top-five university and a tech payroll, Austin may be the deepest rental market in Texas — and one of the most expensive to leave uninsured. Harvey Insurance writes landlord coverage for the owners who house it.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
More than half of Austin households rent — UT’s 50,000 students, the tech workforce, and everyone priced out of a famously hot purchase market. For owners, that demand comes with Austin-sized stakes: premium rents, high-value renovations, and Central Texas weather that swings from baseball hail to flash flooding to hard freezes, sometimes in the same season. A landlord policy has to carry that range — dwelling coverage at real replacement cost, owner liability with city-scale limits, and loss-of-rents that reflects what an Austin lease is actually worth. We quote Austin rental property statewide-licensed and same-day.
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.
Austin claims run the full Central Texas menu: hail, flash flood corridors, freeze breaks, and the liability that comes with dense renting.
Recent years brought some of the costliest hail in Austin’s history across the northern suburbs and into the city. Roof terms and wind/hail deductibles are where Austin landlord policies are won or lost.
Austin sits in the heart of flash-flood country, and rising water is excluded from every landlord policy. If your rental sits near a creek corridor, an inexpensive flood policy is the difference between a bad week and a lost year.
The 2021 freeze rewrote every Austin owner’s risk model, and hard freezes keep returning. Burst pipes in tenant-occupied and vacant units alike make sudden-water and loss-of-rents coverage essential.
Five submarkets sketch Austin’s rental economy — each with its own tenant, price point, and risk mix.
The state’s densest student-rental market, repriced every August. Turnover wear, liability exposure, and premium rents make this classic full-coverage territory.
Bungalows and new builds sharing blocks east of I-35, with some of the city’s strongest rent growth. Mixed-age stock means mixed risk — insure each property for what it actually is.
Austin’s signature zip code, where older cottages lease at boutique-hotel rates. Replacement-cost realism and liability limits matter at these price points.
The city’s second downtown, surrounded by tech-workforce rentals. Newer stock, deep demand from nearby campuses of major employers — protect the income stream first.
Value-priced rentals minutes from downtown, popular with students and service workers. Strong yields, older systems — water coverage does the heavy lifting.
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 Austin clients access to strong coverage and reliable claims support.
We understand the specific risks Austin 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.
Austin leases are worth too much to protect casually. A licensed local agent can quote your rental today.
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Own the home you live in too? See our Austin homeowners insurance.
Also in Austin: Austin renters insurance (require it from your tenants), Austin umbrella insurance, and Austin auto insurance.