Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Umbrella insurance sits on top of your existing home, auto, and watercraft policies, picking up where their liability limits end. For Texans with assets to protect, an umbrella is usually one of the most cost-effective layers of coverage you can buy.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
If you have meaningful assets — home equity, retirement accounts, a business, future earning potential — the standard liability limits on a home or auto policy might not be enough to protect them. A serious accident, a guest injury, or a teen-driver claim can run well past those caps. An umbrella policy gives you a wider margin. Harvey Insurance writes umbrella policies for Texas households who’ve thought through their exposure. Give us a call and we’ll walk through what level makes sense for your situation.
Get a Free Umbrella QuotePersonal 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.
Several categories of Texans regularly benefit from umbrella protection:
Texans with significant home equity, investment accounts, or other assets to protect are common candidates. An umbrella policy adds a layer of liability coverage proportional to what you’d need to defend.
Households with teen drivers, multiple vehicles, or large trucks face higher accident-claim exposure. Umbrella coverage is often the cleanest way to bring liability limits in line with that exposure.
Watercraft, RVs, swimming pools, and rental properties all add liability exposure. Umbrella policies can sit over multiple underlying policies and unify your coverage cleanly.
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 Texas clients access to strong coverage and reliable claims support.
We understand the specific risks Texas residents and businesses 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.
Quotes are usually fast once we know your underlying policies — same-day callbacks from a local agent.
Get a Free Umbrella QuoteCoverage Areas
We provide umbrella insurance to families and businesses across Texas. Select your region to find your city and get local coverage details.
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.