Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Schertz is one of the San Antonio metro’s most prosperous suburbs, with a median home around $317K, a median household income near $100K, and a 72% homeownership rate. Harvey Insurance adds affordable umbrella coverage above your auto and home limits so a single lawsuit can’t undo that hard-won stability.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Few suburbs have as much to protect as Schertz — incomes near $100K, homes around $317K, and roughly seven in ten households owning rather than renting. That combination of high income and real equity is exactly what a large liability judgment pursues. Standard auto and homeowners policies typically cap liability at $300K or $500K, which a serious claim can exhaust in one incident. An umbrella policy adds $1M to $5M of protection on top for a few hundred dollars a year — cheap insurance for a community with this much on the line.
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.
Daily life in Schertz — commuting I-35 and FM-3009, hosting guests in HOA neighborhoods, owning a dog or a pool — creates liability exposure that can outrun standard policy limits.
A bad wreck on I-35 or FM-3009 with injuries can generate claims well past a $300K auto limit. Umbrella coverage absorbs the excess so a single crash doesn’t reach your $317K in home equity.
A guest injured at a backyard gathering, a dog bite, or a pool accident can trigger a claim beyond your homeowners liability. With incomes near $100K, Schertz households have income a plaintiff can pursue.
A judgment above your limits can reach home equity, savings, and even garnish future wages. For a high-income, high-ownership suburb like Schertz, umbrella coverage protects the paycheck and property behind it.
From established HOA subdivisions to newer master-planned sections, we write umbrella coverage for homeowning families across Schertz.
An established HOA community of single-family homes, home to settled, higher-income families with real equity to protect.
A mature, tree-lined subdivision popular with long-time homeowners who have built substantial equity.
A family-oriented neighborhood typical of Schertz’s planned, HOA-managed development pattern.
One of Schertz’s newer master-planned communities, drawing buyers into higher-value new construction.
A growing subdivision of newer homes attracting professionals and families to the prosperous north-metro suburb.
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 Schertz clients access to strong coverage and reliable claims support.
We understand the specific risks Schertz 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 agent who knows Schertz households — we offer same-day callbacks and can layer umbrella coverage over your existing auto and home policies.
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Harvey Insurance also proudly serves the smaller communities around Schertz, including Marion and Santa Clara.
Also drive in Schertz? See our Schertz auto insurance.
Also in Schertz: Schertz homeowners insurance, Schertz renters insurance, and Schertz life insurance.