Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Wimberley is affluent Hill Country living, with a median home around $550K — well above the national average — and many established retirees and professionals on acreage. Harvey Insurance adds affordable umbrella coverage above your auto and home limits so a single lawsuit can’t reach the substantial equity a Wimberley household holds.
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 near $550K — roughly two-thirds above the national figure — and a two-thirds homeownership rate skewed toward retirees and established professionals, Wimberley households carry serious net worth. That equity, plus savings and retirement assets, is exactly what a large liability judgment pursues. Standard auto and homeowners policies typically cap liability at $300K or $500K, a limit that high-value households can exhaust in a single claim. An umbrella policy adds $1M to $5M of protection on top for a few hundred dollars a year — essential coverage where there’s this much to lose.
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.
Life in the Hill Country — driving RR-12 and winding rural roads, hosting guests on acreage, owning a pool, dogs, or a short-term rental — creates liability exposure that can outrun standard limits.
A wreck on RR-12 or a narrow Hill Country road with injuries can push claims well past a $300K auto limit. Umbrella coverage absorbs the excess so a single crash doesn’t reach your $550K in home equity.
A guest injured on your acreage, a pool accident, a dog bite, or a vacation-rental mishap can trigger a claim beyond your homeowners liability. High-value Wimberley properties make that gap especially costly.
A judgment above your limits can reach home equity, savings, and retirement assets — a real concern for Wimberley’s many retirees. Umbrella coverage protects the wealth a household has spent a lifetime building.
From golf-course communities to Blanco River acreage, we write umbrella coverage for the high-equity households across the Wimberley Valley.
Wimberley’s golfing community, built around the Double J Ranch course with homes lining the fairways — established, higher-value properties with real equity.
One of the valley’s most prized communities, with Blanco River frontage and five-acre-plus lots — high-value estates whose owners have significant assets to protect.
Home to the historic Jacob’s Well, mixing older and newer construction on desirable Hill Country lots.
A gated community of half-acre lots, popular with buyers who want privacy and premium value.
Hilltop homes with sweeping Hill Country views — among the valley’s most valuable and asset-rich properties.
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 Wimberley clients access to strong coverage and reliable claims support.
We understand the specific risks Wimberley 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 Wimberley households — we offer same-day callbacks and can layer umbrella coverage over your existing auto and home policies.
Get a Free Umbrella QuoteBoerne umbrella insurance Canyon Lake umbrella insurance Cibolo umbrella insurance Converse umbrella insurance Fredericksburg umbrella insurance Helotes umbrella insurance
Harvey Insurance also proudly serves the smaller communities around Wimberley, including Woodcreek.
Also drive in Wimberley? See our Wimberley auto insurance.
Also in Wimberley: Wimberley homeowners insurance, Wimberley renters insurance, and Wimberley life insurance.