Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Rental property along the US-59 corridor is rarely just a house. It is a house with a shop, a carport and a fenced yard, and the tenants who want it usually want it for exactly that reason. Harvey Insurance writes Montgomery County landlord coverage with the working use of the property on the file rather than discovered later.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
The reason a tract like this rents well is the shop, and the tenant who pays a premium for it is usually a tradesman. That is a good tenant and a stable one, and it changes the property from a residence into a residence with a work site on it. Three consequences follow for the owner. Liability is the first and largest: a customer, a helper or a delivery driver who comes onto the property for the tenant’s business and gets hurt has a claim, and premises liability follows the property owner regardless of whose business brought them there. A landlord policy written for a purely residential tenancy is answering a question it was not asked. The second is the building itself. Welding, spraying, vehicle work and stored fuel change the fire characteristics of an outbuilding, and a carrier that has not been told is entitled to raise it. The third is quieter and comes up at renewal: some carriers simply will not write a residential landlord policy over an active commercial use, and finding that out at renewal with a tenant in place is a worse position than finding it out now. None of this argues against renting to a tradesman. It argues for describing the property accurately, setting the liability limit against the traffic the property actually sees, requiring the tenant to carry their own commercial general liability and to name you as an additional insured on it, and writing all of that into the lease rather than trusting to habit.
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.
Splendora landlord risk follows the work being done on the property.
Liability follows the property owner even where the visitor came for the tenant’s work rather than the tenant’s home.
Welding, spraying and stored fuel alter an outbuilding’s fire characteristics, and an undisclosed change is a question at claim time.
Some carriers will not write a residential landlord policy over active business use, and renewal is a bad time to find out.
We write across Splendora’s tracts, its corridor frontage and the rented houses on both.
Conventional rental housing along the corridor, closest to the highway and its traffic.
Low-lying tracts where shops, equipment and water share the same ground.
Property on the main route, attractive to trades tenants for the access it gives them.
County-route lettings, generally a house with working structures behind it.
Acreage rentals where the shop is the reason the property lets at all.
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 Splendora we write the shop into the policy instead of hoping nobody asks.
We understand the specific risks Splendora 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.
Tenant running a trade from the property? Tell us. It is placeable, if it is disclosed. Today.
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Harvey Insurance also proudly serves the smaller communities around Splendora, including Patton Village, Woodbranch, and New Caney.
Require renters coverage from your tenants: Splendora renters insurance.
Own the home you live in too? See our Splendora homeowners insurance.
Also in Splendora: Splendora auto insurance, Splendora life insurance, and Splendora umbrella insurance.