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 around $212K and established professional families anchored by Texas Tech and the region’s medical and ag economy, Lubbock households have real equity and income a lawsuit could target. Harvey Insurance adds an affordable umbrella layer over your auto and home coverage to protect what you’ve built.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Lubbock’s economy runs on Texas Tech, a growing medical corridor, and Panhandle agriculture — and the professional and business households behind it carry equity, savings, and income worth protecting. A homeowner with a $212K home and years of accumulated assets has real net worth exposed the moment an accident turns into a lawsuit that exceeds a $300K or $500K auto or homeowners limit. An umbrella policy adds $1M to $5M of excess liability for just a few hundred dollars a year. For most Lubbock families, it’s the most protection they can buy for the least money.
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.
A Lubbock household’s liability shows up in ordinary places — a wreck on the loop, an injury at home, and the assets a judgment is built to reach.
Loop 289, I-27, and the Marsha Sharp Freeway carry heavy Lubbock traffic, and a serious at-fault collision can produce injury claims that exhaust a standard auto policy in minutes. Your umbrella absorbs the excess so your home equity and savings stay protected.
A guest hurt by your dog, a fall on your property, or a pool accident can become a liability claim against you personally. With Lubbock homes averaging around $212K, a judgment that exceeds your homeowners limit can reach straight into your equity.
When a judgment tops your coverage, attorneys pursue home equity, savings, investments, and even future wages. For a Lubbock professional or business household with a $212K home to protect, umbrella insurance is what stops a lawsuit from undoing years of progress.
From historic university-area streets to Lubbock’s newest master-planned developments, we help households across the city put the right liability protection in place.
Lubbock’s first designated suburb near Texas Tech, with tree-lined streets and homes ranging into the high $700s. Established owners here hold real equity that umbrella coverage is built to protect.
One of Lubbock’s wealthiest neighborhoods, with large homes on wooded lots and many properties in the $500K–$600K range. High home values and net worth here make excess liability protection close to essential.
A well-established southwest Lubbock neighborhood adjoining Kings Gate, known for spacious homes and settled families. Owners with substantial equity here are prime candidates for an added umbrella layer.
A newer traditional-neighborhood-design community in southwest Lubbock, popular with move-up professionals. New equity and rising incomes make umbrella coverage an easy, low-cost safeguard.
An upscale southwest Lubbock enclave of larger custom homes and quiet streets. The concentration of higher-value properties here makes it a natural fit for $1M–$5M umbrella protection.
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 Lubbock clients access to strong coverage and reliable claims support.
We understand the specific risks Lubbock 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 who knows Lubbock households — same-day callbacks and umbrella coverage layered cleanly over your existing auto and home policies.
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Harvey Insurance also proudly serves the smaller communities around Lubbock, including Idalou, New Deal, Ransom Canyon, Buffalo Springs, and Shallowater.
Also drive in Lubbock? See our Lubbock auto insurance.
Also in Lubbock: Lubbock homeowners insurance, Lubbock renters insurance, Lubbock life insurance, and Lubbock landlord insurance.