Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Houston is a city of extremes — a citywide median home near $260K, but neighborhoods like River Oaks and Memorial where equity runs into the millions. Harvey Insurance helps Houston families layer an umbrella policy over their auto and home liability so one lawsuit can’t reach everything they’ve built.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Few cities have a wider spread of wealth than Houston. A West University or Memorial family may hold a home worth $700K or more plus college savings and retirement accounts, while River Oaks estates run into the millions — and even at the citywide $65K income and $260K home value, most homeowners have real equity a judgment can pursue. A Texas court doesn’t stop at your auto or home liability limit; it can reach home equity, savings, and future wages until the judgment is satisfied. An umbrella policy adds $1M to $5M of excess liability for a few hundred dollars a year — the most efficient way a Houston household can wall off what it owns.
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 Houston — commuting the freeways, hosting friends, keeping a pool — carries liability that can climb far past standard auto and home limits.
Houston’s I-10, I-45, US-59 and the 610 Loop are among the busiest and deadliest corridors in Texas, and a multi-vehicle wreck can produce medical and disability claims well into seven figures. Once your auto liability is exhausted, an umbrella policy absorbs the rest before your assets are exposed.
A guest hurt at a pool party, a delivery driver who slips on your steps, or a dog bite can each turn into a lawsuit that outruns your homeowners liability. Umbrella coverage steps in above that limit so a single accident at your Houston home doesn’t reach your equity.
A judgment looks past insurance to your home equity, savings, and future income — and in high-value areas like Memorial or River Oaks that pool of assets is substantial. Umbrella insurance is the layer that keeps a courtroom loss from becoming a personal financial one.
From the Loop’s most exclusive enclaves to established inner-loop neighborhoods, we write umbrella coverage for Houston households wherever their assets sit.
Houston’s premier address, where homes routinely run from seven figures into the tens of millions. Families here carry exactly the kind of concentrated wealth that makes high-limit umbrella coverage essential.
A wooded, high-value corridor west of the Loop with a median home near half a million and household incomes well above the city average. Substantial home equity here deserves a liability layer to match.
A walkable inner-loop neighborhood where median home values sit near $600K and professionals have built real equity. An umbrella policy protects that stake against an at-fault crash or an injury claim.
One of Houston’s most sought-after historic neighborhoods, where renovated bungalows and new builds have pushed values sharply upward. Growing home equity makes excess liability a smart, low-cost safeguard.
A tightly held enclave near Rice University with some of the highest home values inside the Loop and affluent, established families. Concentrated assets and active households make umbrella coverage a natural fit.
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 Houston clients access to strong coverage and reliable claims support.
We understand the specific risks Houston 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 with a local Harvey agent who knows Houston households and offers same-day callbacks. We’ll size an umbrella policy to the assets you’ve built.
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Harvey Insurance also proudly serves the smaller communities around Houston, including Bunker Hill Village, Piney Point Village, Hunters Creek Village, Hedwig Village, and Spring Valley Village.
Also drive in Houston? See our Houston auto insurance.
Also in Houston: Houston homeowners insurance, Houston renters insurance, Houston life insurance, and Houston landlord insurance.