Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Houston is one of the largest renter markets in the country, where well over half of households lease — from the walkable apartment blocks of Montrose and Midtown to the high-rises of Uptown and the Medical Center. Harvey Insurance protects Houston renters’ belongings and liability for a few dollars a month, covering everything your landlord’s policy does not.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Houston’s rental market is enormous and varied — mid-rise apartments in Midtown, historic fourplexes in Montrose, luxury towers in the Galleria and downtown, and thousands of units serving the Texas Medical Center and Energy Corridor. In every one of them, your landlord insures only the building; your furniture, electronics, and clothing, plus your liability if a guest is hurt, are entirely on you. In a city that floods, storms, and sees its share of break-ins, a renters policy is one of the smartest few dollars a Houston tenant can spend. Harvey Insurance writes it locally and explains exactly what it covers before you sign a lease.
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.
In a flat, flood-prone Gulf metro packed with multi-unit buildings, Houston renters’ belongings face water, theft, and fire as the everyday threats.
Hurricane Harvey flooded tens of thousands of Houston apartments, and the city’s bayous still overflow in heavy rain. A renters policy covers water from a burst pipe or an upstairs neighbor, but rising floodwater is excluded — every Houston renter should pair coverage with a separate flood policy, which we can arrange.
Dense apartment parking and busy inner-loop districts like Midtown and Montrose see frequent car break-ins and unit burglaries. Renters coverage reimburses stolen laptops, TVs, and belongings — including items taken from your car, storage unit, or while you travel.
In Houston’s mid-rises and wood-frame apartment complexes, one unit’s kitchen fire or electrical fault can smoke-damage dozens of others. Your policy replaces fire- and smoke-damaged belongings and pays for a hotel while your unit is uninhabitable.
Houston renters are spread across dozens of distinct districts — here are five of the biggest rental hubs and what each means for protecting your belongings.
Houston’s eclectic, walkable arts district, full of historic fourplexes, garage apartments, and new mid-rises. Older buildings and tight lots make fire, smoke, and theft coverage especially valuable for Montrose renters.
One of Houston’s densest renter neighborhoods, where roughly three of four households lease apartments near the light rail and nightlife. High density and busy parking make theft and liability coverage a priority here.
A high-rise district of luxury apartments around the Galleria mall and Post Oak corridor. Upscale furnishings and electronics here make full replacement-cost contents coverage the right call for tenants.
Apartments here house thousands of medical students, residents, and staff near the world’s largest medical complex. Busy renters benefit from off-premises coverage that follows a laptop to the hospital or library.
West Houston apartment hubs serving energy-sector professionals near I-10 and Beltway 8. Portions of this area flooded badly during Harvey, so pairing contents coverage with a separate flood policy is a smart move here.
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 Houston clients access to strong coverage and reliable claims support.
We understand the specific risks Houston 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.
Work with a local agent who knows Houston’s neighborhoods and flood maps — renters across the city get same-day callbacks and coverage that fits their lease.
Get a Free Renters QuoteLeague City renters insurance Missouri City renters insurance Pasadena renters insurance Pearland renters insurance Sugar Land renters insurance The Woodlands renters insurance
Harvey Insurance also proudly serves the smaller communities around Houston, including Bunker Hill Village, Piney Point Village, Hunters Creek Village, Hedwig Village, and Spring Valley Village.
Need car coverage in Houston too? See our Houston auto insurance.
Also in Houston: Houston homeowners insurance, Houston life insurance, Houston umbrella insurance, and Houston landlord insurance.