Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
With a median home value near $490K across Travis County, the typical Austin household has built real equity — and a single at-fault accident or lawsuit can put it at risk. Harvey Insurance helps Austin families layer excess liability protection on top of their auto and home policies.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Austin’s growth has pushed the median Travis County home value near $490K, and with median household incomes around $94K, a lot of local families now carry substantial equity and future earnings worth protecting. Standard auto and home policies typically cap liability at $300K or $500K — a figure a serious injury lawsuit can blow past in a single verdict. When that happens, plaintiffs’ attorneys go after personal assets: home equity, savings, and even wage garnishment. An umbrella policy adds $1M to $5M of excess coverage that sits above your existing limits, often for just a few hundred dollars a year.
Get a Free Umbrella QuoteWhen a claim exceeds your auto or homeowners policy limits, umbrella insurance picks up where they leave off. It's one of the most cost-effective ways to protect your assets and future income from large liability claims.
Everyday life in Austin — commuting on I-35 and MoPac, hosting friends at the house, owning a pool or a dog — carries liability exposure that can quickly outrun a standard policy.
A multi-vehicle wreck on I-35 or MoPac with serious injuries can generate medical and legal claims well into seven figures. Once your auto liability limit is exhausted, an umbrella policy absorbs the rest before it reaches your assets.
A guest injured at a backyard gathering, a dog bite, or a pool accident can lead to a costly liability claim against you. With Austin home values near $490K, homeowners have real equity that a judgment can target.
When a claim exceeds your policy limits, plaintiffs pursue home equity, savings, and future income to make up the difference. For an Austin household earning around $94K with a $490K home, that exposure is very real — and exactly what umbrella coverage is built to shield.
From the hills west of downtown to the historic districts near the core, we help households across Austin’s highest-equity communities protect what they’ve built.
One of Austin’s most affluent enclaves, with multimillion-dollar homes and top-rated Eanes schools. Households here carry substantial assets that make higher umbrella limits a natural fit.
A historic, tree-lined neighborhood just west of downtown known for stately homes and high property values. The equity concentrated here is exactly what excess liability coverage is designed to protect.
A Hill Country community of large, often gated estates southwest of downtown. High home values and hosting-friendly properties raise the stakes on any liability claim.
A prestigious central Austin district of historic homes near the University and downtown. Established families here have significant equity and income worth an added layer of protection.
A small, affluent city surrounded by Austin, just across the river from downtown. With very high home values, residents here have real assets that benefit from $1M–$5M in excess coverage.
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 Austin clients access to strong coverage and reliable claims support.
We understand the specific risks Austin 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.
Talk to a local Harvey agent who knows Austin households and offers same-day callbacks. We’ll help you right-size your umbrella limits and lock in protection fast.
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Harvey Insurance also proudly serves the smaller communities around Austin, including West Lake Hills, Rollingwood, Sunset Valley, Jonestown, and Volente.
Also drive in Austin? See our Austin auto insurance.
Also in Austin: Austin homeowners insurance, Austin renters insurance, Austin life insurance, and Austin landlord insurance.