Personal Lines

Texas
Umbrella Insurance

A single serious accident or lawsuit can exceed the limits of your home or auto policy in a hurry. Personal umbrella insurance gives you an extra layer of protection — for a surprisingly low cost.

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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 the state of Texas — backed by America’s most reputable carriers.

Don't Let One Incident Wipe You Out

Texas courts can award significant judgments in liability cases. If you're in a serious accident or someone is badly hurt on your property, the damages can easily exceed $500,000 — far more than most standard policies cover. An umbrella policy steps in to protect your savings, home equity, and future income.

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What’s Covered

Umbrella Insurance Coverage Details

Personal umbrella insurance from Harvey provides broad, excess liability coverage that goes above and beyond your existing home and auto policies — for pennies on the dollar.

Excess Liability
Adds $1M or more of coverage on top of your existing home and auto liability limits.
Legal Defense Costs
Covers attorney fees and court costs — which can be substantial even when you win.
Worldwide Coverage
Protects you from liability claims that happen outside the United States.
Landlord Liability
Extends coverage to liability claims related to rental properties you own.
Personal Injury Claims
Covers defamation, libel, slander, and invasion of privacy claims not covered by standard policies.
Catastrophic Event Coverage
Fills the gap when a single event generates claims far beyond your base policy limits.
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.

Add an Umbrella Policy Today

For most families, an umbrella policy costs a few hundred dollars a year. The protection it provides is priceless.

Location
Addison, TX — Serving All of Texas
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Coverage Areas

Texas Cities We Serve

We provide umbrella 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.