Personal Lines

Texas
Renters Insurance

Renters insurance is one of the best dollar-for-dollar values in personal lines. For most Texas renters, comprehensive coverage costs less than a month of streaming services. Harvey Insurance writes renters policies across the state.

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5★
Average Rating
10+
Years in Business
1,000+
Families Protected
24/7
Claims Support

Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.

Texas Renters Insurance, Done Simply

Texas has a lot of renters — young professionals in Austin tech, families in DFW apartments, retirees who’ve downsized into condos, students in college towns. The standard advice that ‘your landlord’s policy covers you’ is wrong almost everywhere — their policy covers the building, not your stuff or your liability. Harvey Insurance writes renters policies for Texans across the state. Give us a call and we’ll walk you through what coverage actually looks like.

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What’s Covered

Renters Insurance Coverage Details

We help Texas renters protect what they own with comprehensive, affordable coverage matched to their budget and lifestyle.

Personal Property
Covers your furniture, electronics, clothing, and valuables if they're stolen or damaged by a covered event.
Liability Coverage
Protects you if someone is injured in your rental unit and you're held responsible.
Loss of Use
Pays for a hotel or temporary apartment if your unit becomes uninhabitable after a covered loss.
Medical Payments
Covers medical expenses for guests injured in your home, regardless of fault.
Theft & Vandalism
Protects your belongings from theft — even when items are stolen outside your home.
High-Value Item Add-Ons
Optional scheduled coverage for jewelry, cameras, instruments, and other high-value items.
Across Texas

What renters policies actually cover

Three things every Texas renter should think about:

Personal Property

Your Stuff

Furniture, electronics, clothing, gear — renters insurance covers them if they’re damaged by a covered event or stolen. Texas weather and urban theft both factor in depending on where you live.

Liability

If Something Goes Wrong

If a guest is injured at your place, or you accidentally cause damage to your unit or a neighbor’s, renters liability coverage matters. This is often the most undervalued part of a renters policy.

Loss of Use

Temporary Living

If your unit becomes uninhabitable after a covered loss, your policy can cover the cost of temporary housing. Worth understanding before you need it.

Why Harvey Insurance

Built on trust. Driven by service.

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.

01

Backed by Trusted Carriers

We work with the most trusted and recognized carriers in the country — giving our Texas clients access to strong coverage and reliable claims support.

02

True Local Expertise

We understand the specific risks Texas residents and businesses face and write every policy with that knowledge front and center.

03

Genuine Relationships

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.

Client Reviews

Real people. Real results.

Ready to get covered?

Quotes are quick and rates are reasonable — same-day callbacks from a local agent.

Location
Addison, TX — Serving TX, OK & AR
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Coverage Areas

Texas Cities We Serve

We provide renters insurance to families and businesses across Texas. Select your region to find your city and get local coverage details.

DFW Metroplex
Addison Allen Argyle Arlington Burleson Carrollton Celina Dallas Denton DeSoto Euless Fate Flower Mound Forney Fort Worth Frisco Garland Grand Prairie Grapevine Haltom City Haslet Irving Justin Keller Lewisville Little Elm Mansfield McKinney Mesquite North Richland Hills Northlake Plano Prosper Richardson Rockwall Rowlett Royse City Sherman Southlake The Colony Waxahachie Weatherford Wylie
Greater Houston
Atascocita Baytown Beaumont Channelview Clute Conroe Cypress Deer Park Dickinson Friendswood Galveston Houston Humble Katy La Marque La Porte Lake Jackson League City Missouri City Orange Pasadena Pearland Port Arthur Richmond Rosenberg Seabrook Spring Stafford Sugar Land Texas City The Woodlands Tomball Webster
Austin Metro
San Antonio & Hill Country
West Texas & Permian Basin
Andrews Big Spring Del Rio Fort Stockton Midland Monahans Odessa Pecos San Angelo Snyder Sweetwater
Texas Panhandle
Amarillo Borger Canyon Childress Dalhart Dumas Hereford Pampa Perryton
South Plains
Brownfield Lamesa Levelland Lubbock Plainview Slaton Wolfforth
East Texas
Athens Carthage Henderson Jacksonville Kilgore Lindale Longview Lufkin Marshall Nacogdoches Palestine Paris Texarkana Tyler
Central Texas
Belton Brownwood Copperas Cove Gatesville Harker Heights Hillsboro Killeen Lampasas Robinson Temple Waco Woodway
South Texas & Rio Grande Valley
Brownsville Eagle Pass Edinburg Harlingen Laredo McAllen Mercedes Mission Pharr Rio Grande City San Benito Weslaco
Gulf Coast
Bay City Corpus Christi Freeport Ingleside Kingsville Port Aransas Port Lavaca Rockport Victoria

These are just a handful of the communities we serve — we cover the entire great state of Texas. Don't see your city? Give us a call — we likely cover it.