Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Houston is the biggest rental market in Texas — nearly six in ten households rent, from Heights bungalows to Medical Center high-rises. Harvey Insurance protects the owners behind those leases with dwelling coverage, landlord liability, and loss of rents.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
With over half a million renter households, Houston’s rental demand runs deep — the Texas Medical Center, the Port, the Energy Corridor, and campuses like UH and Rice keep tenants arriving year-round. That opportunity carries real exposure: hurricane wind, bayou flooding, and the liability that follows any tenant-occupied property. A homeowners policy won’t carry that weight — it assumes you live in the house, and carriers can deny a claim outright once a tenant holds the lease. A true landlord policy covers the structure, your liability as an owner, and the rent you’d lose while a covered claim keeps the unit empty. Because we’re independent, we shop multiple carriers for every property instead of forcing one fit. Call us and we can usually have a Houston rental quoted 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.
Houston property claims follow the water — and the wind that pushes it. Here’s what actually lands on landlord policies in Harris County.
Harvey put rental units underwater in neighborhoods that had never flooded before, and landlord policies exclude rising water entirely. A separate flood policy plus loss-of-rents coverage keeps the mortgage paid while a flooded unit is gutted and re-leased.
From Ike to Beryl, Gulf storms tear roofs, fences, and carports off rentals across Harris County. Your dwelling limit — and the wind deductible attached to it — decides how much of that roof you pay for, so we set it deliberately, not by default.
A collapsed stair rail or a slip on a rain-slick walkway can become a lawsuit that names you personally. Landlord liability coverage funds the defense and the settlement — on a rental, it’s often the line that protects everything else you own.
Houston isn’t one rental market — it’s dozens. These are a few of the submarkets where we insure rental property.
Craftsman bungalows and garage apartments lease fast here at premium rents, but much of the stock is pre-war. Aging wiring and original plumbing make fire and water coverage details worth reading twice.
A dense mix of fourplexes, small multifamily, and renovated older homes minutes from downtown. High tenant demand meets old systems — prime territory for water backup and ordinance-or-law endorsements.
Student and workforce rentals near the University of Houston and Texas Southern turn over on an academic calendar. Vacancy gaps and move-out wear make loss of rents and liability limits the numbers to watch.
Houston’s densest apartment corridor, heavy with workforce units and small investor-owned complexes. Older flat roofs and slab plumbing keep wind and water claims at the top of the loss runs.
Townhome construction has filled in fast east of downtown, and much of it leases rather than sells. New builds still sit in the Gulf wind path — and builder-grade fences and roofs are the first casualties.
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 Houston clients access to strong coverage and reliable claims support.
We understand the specific risks Houston 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.
Tell us the address and how it’s rented — we’ll shop the carriers that actually want Houston rental property and call back with real numbers.
Get a Free Landlord QuoteLeague City landlord insurance Longview landlord insurance Pasadena landlord insurance Pearland landlord insurance Tyler landlord insurance Baytown landlord insurance
Own the home you live in too? See our Houston homeowners insurance.
Also in Houston: Houston renters insurance (require it from your tenants), Houston umbrella insurance, and Houston auto insurance.