Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Mustang has grown quickly enough that a good share of its rental property is now owned by people who do not live in Canadian County and have never seen the tenant. That arrangement works, and it introduces one specific gap that owners tend to discover only when something has already gone wrong. Harvey Insurance writes Mustang landlord coverage with that relationship written down properly.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
A property management company carries its own coverage, and owners reasonably assume some of it reaches them. Almost none of it does, and the reason is simply that each policy is written for the person who bought it. The manager’s general liability answers claims against the manager. Their errors and omissions cover their professional mistakes, and it exists to protect them from you rather than to protect you from anything. Neither one insures your building, and neither one responds when a tenant is injured on a property you own, because the party being sued in that claim is the owner. Three arrangements close the gap and none of them is expensive. First, you carry your own landlord policy on the property regardless of who manages it — this is not optional and a management agreement is not a substitute. Second, the management agreement should require the manager to name you as an additional insured on their liability policy, so their coverage genuinely reaches you for claims arising out of their operations. Third, ask for their certificate annually, the same way a good manager asks tenants for theirs. Read the indemnity clause in the agreement while you are at it, because in many standard forms it runs in one direction, and the direction is not the one owners assume when they sign.
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.
Mustang landlord risk is shaped by distance between the owner and the property.
A manager’s liability and E&O protect the manager. The claim against the property owner arrives at the owner’s policy.
Being named as an additional insured on the manager’s liability is what actually extends their coverage to you. It has to be requested.
An owner two states away learns about a slow leak or a failing roof later than an owner across town, and later costs more.
We write across Mustang’s growth subdivisions, its school-driven market and its older center.
The original center off the highway, holding the city’s oldest rental houses and its oldest systems.
Newer family lettings in a planned neighborhood, most of them managed rather than owner-handled.
Established single-family rentals let largely for the school district, with long tenancies and low turnover.
Properties along the main route east, convenient for metro commuters and the quickest to re-let.
Recent construction let by out-of-area owners, frequently still insured at the figure set on the closing statement.
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 — and in Mustang we will read the management agreement alongside the policy, because the gap is usually between them.
We understand the specific risks Mustang 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.
Using a manager? Bring the agreement and their certificate. Quoted today.
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Harvey Insurance also proudly serves the smaller communities around Mustang, including Tuttle, Union City, and Newcastle.
Require renters coverage from your tenants: Mustang renters insurance.
Own the home you live in too? See our Mustang homeowners insurance.
See every city on our Oklahoma landlord insurance hub.
Also in Mustang: Mustang auto insurance.