Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Island living means renting for most of Galveston — six in ten households lease, from Strand lofts to midtown bungalows. Harvey Insurance covers the tenant’s side of hurricane country: your belongings, your liability, your plan B.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Galveston is Texas’s renter capital — a majority-lease island of medical-branch staff, port and tourism workers, and students. It’s also the state’s most storm-tested address, where Ike rewrote every insurance conversation. Here’s the tenant’s version: the landlord’s windstorm policy rebuilds the building; your furniture, electronics, and clothes need your own policy — and rising water needs a separate flood policy on top, which on this island is not a suggestion. We write both, with same-day island quotes.
Get a Free Renters QuoteRenters insurance is one of the most affordable and underutilized forms of coverage. For just a few dollars a month, Harvey Insurance protects everything you own inside your rental — plus gives you liability coverage if someone gets hurt.
Galveston renters file for exactly what you’d guess: named-storm wind, water in every form, and tourist-district theft.
Island wind claims are a when, not an if. Your policy replaces contents ruined when the envelope fails, and loss-of-use pays for mainland lodging while repairs run.
No renters policy covers rising water — on this island, contents-only flood coverage is the essential companion policy. It’s inexpensive and we quote it together.
Busy seasons bring break-ins to complexes and parked cars alike. Renters coverage follows your belongings island-wide and beyond.
From the Strand to the West End, island renting runs in five zones.
Historic lofts above the island’s oldest storefronts. Character buildings carry character wiring — fire coverage leads.
Medical-branch staff and students fill the East End’s historic rentals. Semester and residency turnover make theft coverage routine.
The island’s workhorse rental stock between Broadway and the Seawall. Wind exposure is universal; inventory accordingly.
Gulf-view complexes with the best breeze and the most weather. Salt air ages everything — replacement-cost contents coverage earns its keep.
Beach-house rentals beyond the Seawall’s protection. Long-term leases out here need the full wind-plus-flood conversation.
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 Galveston clients access to strong coverage and reliable claims support.
We understand the specific risks Galveston residents 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.
Island renters know better than to skip coverage. Five minutes gets your Galveston quote — flood included.
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Harvey Insurance also proudly serves the smaller communities around Galveston, including Jamaica Beach, Tiki Island, and Bolivar Peninsula.
Need car coverage in Galveston too? See our Galveston auto insurance.
Also in Galveston: Galveston homeowners insurance, Galveston landlord insurance, and Galveston umbrella insurance.
Specialty coverage in Galveston: Galveston boat insurance, Galveston RV insurance and Galveston motorcycle insurance.