Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
One of America’s fastest-growing cities for years running, New Braunfels draws tenants with Hill Country living between two job markets — and draws investors right behind them. Harvey Insurance covers its rental homes, from Gruene cottages to Veramendi new-builds.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Split between the Austin and San Antonio orbits and famous for the Comal and Guadalupe rivers, New Braunfels has grown into a serious rental market: a third of households lease, filling everything from historic district homes to the sprawling new sections of Veramendi. Two cautions define coverage here. First, the rivers — flood exclusions make separate flood coverage essential near the water. Second, the tourism economy tempts owners toward short-term rentals, and a standard landlord policy doesn’t cover nightly guests — tell us how the property actually operates and we’ll write it accordingly. For long-term rentals, we cover dwelling, liability, and lost rent — quoted 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.
River flooding, Hill Country hail, and a tourism-driven temptation toward short-term rentals shape New Braunfels landlord risk.
This city’s rivers made national news in 1998 and 2002, and flash floods revisit regularly. Rising water is excluded from landlord policies — near the rivers, flood coverage is simply part of owning here.
Hill Country hail cells hit New Braunfels from both metro directions. Roof terms and wind/hail deductibles set what a spring storm actually costs a landlord.
A tourism town means guests — and if your “tenant” is actually a weekend booking, standard landlord liability may not respond at all. Long-term leases need strong limits; short-term operations need purpose-built coverage.
New Braunfels’ rental market splits between historic charm and high-velocity new construction.
The historic dance-hall district, where cottages command premium rents — and premium short-term temptation. Long-term leases here insure beautifully; nightly rentals need different paper.
Century-old homes near the plaza leasing to professionals. Period materials call for replacement-cost realism and fire attention.
The city’s massive new master-plan, adding rental-ready homes every month. New stock rates well — secure terms before the roofs meet their first hail season.
2000s-era subdivisions popular with San Antonio commuters. Dependable family tenants; standard Comal County hail and freeze exposure.
Properties near the Comal and Guadalupe carry the city’s best rents and its clearest flood exposure. Dwelling plus flood is the only complete answer.
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 New Braunfels clients access to strong coverage and reliable claims support.
We understand the specific risks New Braunfels 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.
Long-term rental or thinking about one in New Braunfels? A local agent can quote it — correctly — today.
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Own the home you live in too? See our New Braunfels homeowners insurance.
Also in New Braunfels: New Braunfels renters insurance (require it from your tenants), New Braunfels umbrella insurance, and New Braunfels auto insurance.