Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Midland’s oil economy pushes household income near $90K — well above the Texas average — with a median home value around $319K and energy wealth concentrated in its north-side estates. Harvey Insurance adds an affordable umbrella layer to protect the assets Permian Basin families have built.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Few Texas cities have as strong a case for umbrella coverage as Midland. Median household income runs near $90K, and energy-sector earnings, investment portfolios, and custom homes in neighborhoods like Grassland Estates and Saddle Club push many families’ net worth into seven figures — even where the median home value sits around $319K. A liability judgment goes after all of it: home equity, savings, and future income. Standard auto and home policies usually cap liability at $250K to $500K, so an umbrella adding $1M or more of protection is a small price to safeguard real wealth.
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.
With significant assets on the line, Midland households face liability exposure that can quickly outrun standard policy limits.
Heavy oilfield traffic on I-20, Loop 250, and SH-158 makes a severe wreck a real risk. When injury and lost-income claims exceed your auto limit, a high earner’s wages and assets are the target for the balance.
A pool accident, dog bite, or fall at a custom home in Grassland Estates or Saddle Club can trigger a serious injury lawsuit. Homeowners liability often stops at $300K — far short of what a high-net-worth household could owe.
With income near $90K and energy-sector wealth behind many households, Midland owners have savings, investments, and equity a judgment can pursue. Umbrella coverage puts a firm wall around all of it.
From the established north-side estates to the newer energy-wealth suburbs, we write umbrella coverage for Midland’s higher-asset households.
A northwest-side enclave of custom contemporary homes ranking among the wealthiest neighborhoods in the country. Residents here hold significant assets that make excess liability essential.
A tony north Midland area near the Country Club and Polo Club, with a gated Estates section. Spacious luxury homes here represent exactly the wealth an umbrella is built to protect.
An established, well-regarded neighborhood in the heart of Midland with mature streets and higher-value homes. Long-settled owners here have built substantial equity worth safeguarding.
A desirable residential pocket around the neighborhood park on Midland’s established east side. Family households with equity and savings here are strong candidates for umbrella coverage.
A rural community on Midland’s southeast edge with acreage properties and its own school district. Large lots and multiple vehicles add exposure that excess liability helps cover.
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 Midland clients access to strong coverage and reliable claims support.
We understand the specific risks Midland 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.
Work with a local Harvey Insurance agent who understands Midland’s oil-economy households and returns umbrella quotes with same-day callbacks.
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Harvey Insurance also proudly serves the smaller communities around Midland, including Greenwood, Stanton, and Midkiff.
Also drive in Midland? See our Midland auto insurance.
Also in Midland: Midland homeowners insurance, Midland renters insurance, Midland life insurance, and Midland landlord insurance.