Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
The heart of the Texas Hill Country on the Guadalupe River, Kerrville pairs a retiree-and-tourism economy with older established rentals and river-country homes. Guadalupe flooding is a real exposure on this stretch of river, and Harvey Insurance is clear that it sits outside a landlord policy.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Kerrville’s rental market runs on retirees, tourism workers, and the medical economy, filling older single-family homes and river-country rentals. Older river-country homes that are rented out need a dwelling form rather than the homeowners policy that came with the purchase. A Kerrville rental needs dwelling coverage rated for Central Texas hail, landlord liability, and loss of rents — and the Guadalupe River’s flash-flood history makes flood coverage essential, since standard policies exclude rising water. We compare carriers side by side and can usually quote a Kerrville rental 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.
Kerrville rental claims track the Guadalupe River flooding, the hail, and the older housing stock.
The Guadalupe has a hard flash-flood history through Kerr County, and standard dwelling coverage excludes rising water. Rentals near the river need a separate flood policy — this is not optional here.
The spring storms that cross Kerr County drop hail on Kerrville rental roofs. Dwelling coverage with a realistic roof valuation protects against a costly surprise.
Kerrville’s established rentals carry aging plumbing and wiring that drive water and fire claims. Dwelling coverage set to real rebuild cost matters here.
From river-country rentals to established single-family, Kerrville’s submarkets each carry their own risk.
River-country rentals on the flood-exposed low ground, where a separate flood policy is essential.
Older houses and small rentals in the blocks off the main street, where a supply line failure does more damage than any storm has.
Golf-community houses well above the Kerrville average, where the rebuild figure needs setting on the finish level rather than the county roll.
Single-family rentals across the older neighborhoods drawing retirees and workers.
Rentals near the corridor serving the medical and tourism workforce.
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 Kerrville clients access to strong coverage and reliable claims support.
We understand the specific risks Kerrville 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 Kerrville rental — or your whole portfolio — quoted by an agent who knows the market.
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Harvey Insurance also proudly serves the smaller communities around Kerrville, including Ingram, Center Point, Hunt, and Mountain Home.
Require renters coverage from your tenants: Kerrville renters insurance.
Own the home you live in too? See our Kerrville homeowners insurance.
Also in Kerrville: Kerrville auto insurance, Kerrville life insurance, and Kerrville umbrella insurance.
See every city on our Texas landlord insurance hub.
Specialty coverage in Kerrville: Kerrville RV insurance.