Texas

Texas
Specialty Insurance

Boats, RVs, motorcycles, jewelry, collectibles, classic cars — specialty items often need specialty coverage that doesn’t fit a standard home or auto policy. Harvey Insurance writes specialty insurance for Texans with all of the above.

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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.

Coverage for the Things That Don’t Fit a Standard Policy

Texas is an outdoor state — boats on Lake Travis and Lake Conroe, RVs heading to Big Bend, motorcycles cruising Hill Country roads, fishing rigs along the coast. Standard home and auto policies cover some of this thinly or not at all. Specialty insurance fills the gaps with policies built for the specific item and how you actually use it. Harvey Insurance has been writing specialty coverage for Texans for years. Give us a call and we’ll walk through what fits.

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What’s Covered

Specialty Insurance Coverage Details

We work with carriers that specialize in recreational and specialty vehicles — so you get the right coverage, not a modified standard policy that leaves you underinsured.

Across Texas

What we cover under specialty insurance

A few of the most common Texas specialty needs:

Watercraft

Boats & PWCs

From bass boats on East Texas lakes to offshore rigs out of Galveston, watercraft coverage handles physical damage, liability, and salvage. Different waters, different policy considerations.

Motorhomes & Trailers

RVs

RVs are a serious investment and they live somewhere between a vehicle and a residence from a coverage perspective. We help Texas RV owners get the right structure.

Motorcycles & Beyond

Personal Items

Motorcycles, classic cars, jewelry, fine art, and collectibles all benefit from policies designed specifically for them. Standard home or auto often falls short on valuation and use.

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.

FAQ

Common questions about specialty insurance

What counts as specialty insurance?
Coverage for the things standard home and auto policies weren’t built for: boats and personal watercraft, RVs and travel trailers, motorcycles, ATVs and UTVs, golf carts, and classic or collector cars. Each has its own policy type designed for how it’s actually used.
Doesn’t my auto or homeowners policy already cover my boat or RV?
Only in narrow slivers, if at all. Homeowners policies cap watercraft and off-road vehicle coverage at low limits and often exclude liability away from your property; auto policies don’t follow a motorhome’s living quarters or a trailer’s contents properly. Dedicated policies exist because the standard ones genuinely don’t stretch.
Is boat insurance required in Texas?
Texas doesn’t broadly mandate it, but marinas commonly require liability coverage for a slip, lenders require full coverage on financed boats, and the liability risk on open water is real regardless. On Texas lakes on a summer weekend, being uninsured is the expensive choice.
What makes classic car insurance different?
Agreed value — you and the carrier fix the car’s value up front, so a total loss pays that number instead of a depreciated book value that ignores restoration work. Policies assume limited pleasure use and often cost less than standard coverage for garage-kept collectibles.
Are ATVs and golf carts covered by my homeowners policy?
On your own property, sometimes, within limits; the moment they leave it — trails, neighborhoods, the lease — coverage typically evaporates. Standalone ATV/UTV and golf cart policies are inexpensive and close both the liability and theft gaps.
What should motorcycle insurance include in Texas?
Liability is legally required just like a car. Beyond that: uninsured motorist coverage (riders bear the worst outcomes from uninsured drivers), comprehensive for theft and hail, and accessory coverage for custom parts and gear that standard policies undervalue.

Ready to insure your specialty items?

Quotes vary by item and use — same-day callbacks from a local agent.

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

Serving All of Texas

We provide specialty and recreational vehicle coverage to clients across the entire state of Texas — from the DFW Metroplex to the Hill Country and Gulf Coast.