Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
San Antonio is one of the steadiest rental markets in Texas — nearly half the city rents, anchored by the military bases, the Medical Center, and a workforce that keeps growing. We insure the properties behind those leases: the structure, your liability as an owner, and the rent that stops when a covered loss hits.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Roughly 47% of San Antonio households rent, and the demand runs deep — airmen rotating through Joint Base San Antonio, medical staff around the South Texas Medical Center, students at UTSA, and families a growing city keeps adding. That makes Bexar County one of the most reliable places in Texas to own rental property, and one of the easiest places to be underinsured. A homeowners policy quietly stops working the day a tenant signs a lease, because carriers can deny claims on a home the owner doesn’t occupy. What a San Antonio landlord actually needs is a dwelling policy rated for rentals, liability that follows you as the owner, and loss-of-rents coverage that keeps the mortgage paid after a hailstorm or fire. We write exactly that, and as a local Texas agency we can usually quote it the same day you call.
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.
Bexar County sits at the southern edge of Texas hail country and took one of the costliest hailstorms in U.S. history in 2016. Here’s what actually generates landlord claims in San Antonio.
The April 2016 storm dropped grapefruit-size hail across the north side and damaged tens of thousands of roofs. On a rental, a hail claim isn’t just a roof — it’s dwelling repair plus loss of rents if the unit can’t be occupied while it’s fixed.
The 2021 freeze proved San Antonio plumbing wasn’t built for single-digit temperatures. In an occupied rental a burst pipe means water damage; in a vacant one between tenants, it can run for days — ask us about vacancy coverage if a property ever sits empty.
With ~47% of households renting, San Antonio courts see their share of premises claims. If a tenant or guest is hurt on your property — a stair rail, a walkway, a dog bite — landlord liability is the line that defends you and pays what you’re found liable for.
From military corridors to the Medical Center, San Antonio’s rental demand clusters in a few distinct submarkets.
North-side master-planned neighborhoods full of single-family rentals leased to relocating families and medical professionals. Newer roofs still take hail here — set the dwelling limit at today’s rebuild cost, not the purchase price.
Condos and small multifamily around the South Texas Medical Center turn over with residents, nurses, and travel staff. Steady occupancy but frequent turnover — vacancy and landlord-property coverage both earn their keep.
Historic bungalows beside Fort Sam Houston lease quickly to military families on housing allowances. Older stock means aging wiring and plumbing, so fire and water coverage on the dwelling matters as much as the rent roll.
Growth around UTSA and Lackland keeps duplexes and starter-home rentals full of students and airmen. Higher turnover and roommate leases raise the liability stakes — carry limits that match.
Historic-district rentals and short-term units near downtown command premium rents. If a property flips between long-term tenants and weekend guests, tell us — it changes which policy you need.
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 San Antonio clients access to strong coverage and reliable claims support.
We understand the specific risks San Antonio 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 about the property — address, year built, how it’s rented — and we’ll shop San Antonio landlord rates across our carriers the same day.
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Own the home you live in too? See our San Antonio homeowners insurance.
Also in San Antonio: San Antonio renters insurance (require it from your tenants), San Antonio umbrella insurance, and San Antonio auto insurance.