Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Boerne sits among the most affluent addresses in the Hill Country, where median homes push past $505,000 and many families have built serious equity. Harvey Insurance helps protect that net worth with umbrella coverage that stacks on top of your 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.
With a median household income around $116,000 and median home values above $505,000, Boerne families have assembled the kind of net worth that plaintiffs’ attorneys look for. A standard auto or homeowners policy typically caps liability at $300,000 or $500,000 — a fraction of what a serious judgment can demand. An umbrella policy adds $1M to $5M of excess liability on top of those limits, shielding your home equity, savings, and future earnings. For a few hundred dollars a year, it’s the most efficient asset protection most Boerne households will ever buy.
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 Boerne carries liability that can quickly exceed a standard policy — on the road, at home, and against everything you own.
A wreck on I-10 or Highway 46 that injures multiple people can generate medical bills and damages well into the millions. Once your auto liability limit is spent, the balance falls on you — and your Boerne assets are next in line.
Pools, guest gatherings, and dogs are common at Boerne’s larger Hill Country properties, and any of them can lead to a serious injury claim. If a guest is badly hurt, homeowners liability may not come close to covering the settlement.
With a median home around $505,000, a typical Boerne homeowner holds real equity a judgment can reach — along with savings and future wages. Umbrella coverage stands between that net worth and a plaintiff’s attorney.
From gated golf communities to historic downtown, we write umbrella coverage for households across Boerne’s highest-asset neighborhoods.
A gated golf and equestrian community of high-value estates on large acreage — exactly the kind of net worth an umbrella policy is built to defend.
An affluent master-planned community straddling the county line, home to established families with substantial equity and multiple vehicles to insure.
A newer master-planned neighborhood drawing move-up buyers and growing families — households building the assets that excess liability coverage protects.
A resort and golf community west of town where second homes and full-time residences alike carry the property values a judgment can target.
The Hauptstrasse core and surrounding historic homes anchor longtime Boerne residents whose accumulated equity makes umbrella protection especially worthwhile.
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 Boerne clients access to strong coverage and reliable claims support.
We understand the specific risks Boerne 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 Insurance agent about umbrella coverage for your Boerne household — we offer same-day callbacks and quotes that fit alongside your existing policies.
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Harvey Insurance also proudly serves the smaller communities around Boerne, including Comfort, Welfare, and Sisterdale.
Also drive in Boerne? See our Boerne auto insurance.
Also in Boerne: Boerne homeowners insurance, Boerne renters insurance, and Boerne life insurance.