Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
A barrier-island city of historic homes, beach rentals, and UTMB student housing, Galveston runs a rental market unlike anywhere else in Texas — and one squarely in the path of Gulf hurricanes. Harvey Insurance protects the owners behind those doors: the structure, your liability, and the rent through every season.
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 Galveston rents, from historic-district apartments to short-term beach rentals and UTMB student housing. The island’s coverage rules are the coast’s: hurricane and named-storm wind is usually excluded from the standard policy and written separately — often through TWIA — and storm surge needs its own flood policy on top of that. Short-term vacation rentals add a whole separate liability and business-use conversation. Miss any piece and one storm can wipe out an owner. We build Galveston coverage as the full wind-flood-liability stack and quote it the 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.
Galveston rental claims track the hurricane season, the storm surge, and the vacation-rental trade.
On the island, hurricane and named-storm wind is usually excluded from the standard policy and written separately, commonly through TWIA. Confirming that windstorm coverage is in place is the single most important step for a Galveston rental.
Surge and coastal flooding put the whole island at risk, and standard coverage excludes rising water. A separate flood policy is essential for every Galveston rental.
Short-term beach rentals carry business-use and guest-liability exposure a standard landlord policy may exclude. STR-rated coverage and strong liability are essential for nightly rentals.
From East End historic to West End beach rentals, Galveston’s submarkets each carry their own risk.
Historic homes and small multifamily near the Strand, where restoration cost and windstorm coverage both matter.
Student rentals and complexes serving the medical branch, with steady turnover.
Short-term vacation rentals on the beach, where STR liability, windstorm, and surge coverage are all essential.
Condos and rentals along the seawall, where surge and windstorm exposure lead the conversation.
Older single-family rentals across the island’s center, where aging systems and windstorm coverage both matter.
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 Galveston clients access to strong coverage and reliable claims support.
We understand the specific risks Galveston 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.
One call gets your Galveston rental — beach house or historic duplex — quoted by an agent who knows the island.
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