Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
About one household in twenty rents in Southlake, which makes renting here genuinely unusual — executive relocations on a two-year assignment, families between builds, households who wanted Carroll ISD before they wanted a mortgage. Harvey Insurance writes Tarrant County renters coverage for that small group, whose belongings frequently do not match the size of the policy anyone has offered them.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Southlake’s median home is worth about a million dollars, and a renter here is living inside an asset like that while owning none of it. That arrangement is worth thinking about clearly, because it cuts in two directions and people usually only see one. The first is the relief: you are not insuring the structure, the roof, the foundation or the hail that lands on any of it. That is the owner’s problem and their premium, and it is the single largest expense you are not carrying. The second is the part that gets missed. Households who rent in a town like this are frequently between houses rather than at the start of things, which means the contents are not a first apartment’s contents. Furniture bought for a previous house, art, rugs, a home office with real equipment in it, jewelry, a wine collection, sports gear — the total is regularly six figures, and the default contents limit on a renters policy quoted in ninety seconds is not written with any of it in mind. Two specific things are worth doing. Set the contents limit against a real number rather than a guess, and ask about scheduling the handful of items that carry category sublimits, because jewelry, watches, furs, silverware and firearms are capped far below their value on an unscheduled policy no matter how high the overall limit goes. The policy itself is inexpensive. Being under-limited on it is the expensive part.
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.
Southlake renters carry more in a leased house than most owners do in a bought one.
Renters here are often between houses rather than starting out, and the default contents limit is rarely set against what is actually in the rooms.
Jewelry, watches, silverware and firearms carry category caps that a high overall limit does not lift. Scheduling is what raises them.
A roof taken by hail is the owner’s claim; the water that follows it into the rooms below lands on the tenant’s belongings and their policy.
We write across Southlake’s leased estates, its townhomes and the newer rental stock at the edges.
Townhomes and apartments at the center, the densest renting in a city that has very little of it.
Leased houses in a planned community, generally taken by relocating executive households on fixed assignments.
Established golf-community homes let while owners are posted elsewhere, furnished to the standard of the street.
Larger properties on the north side, let whole and rarely, with contents to match the house.
Rentals taken specifically for the schools, often as a bridge between one purchase and the next.
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 Southlake we set the contents limit against what is actually in the house rather than what a default quote assumed.
We understand the specific risks Southlake 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.
Renting here while you build or between assignments? The limit matters more than the premium. Quoted today.
Get a Free Renters QuoteGrapevine renters insurance Euless renters insurance
Harvey Insurance also proudly serves the smaller communities around Southlake, including Westlake, Trophy Club, and Colleyville.
Own rental property in Southlake? See our Southlake landlord insurance.
Also in Southlake: Southlake homeowners insurance and Southlake auto insurance.
Also in Southlake: Southlake life insurance and Southlake umbrella insurance.