Protect Your Home From Flood Damage
With Hi-Lo Insurance & Neptune Flood
Peace of mind - before the storm and after.
Living in Texas means unpredictable weather - from heavy rains and tropical storms to rising water along the coast and bayous. Whether you’re in a high-risk zone or not, flood protection is one of the smartest investments you can make.
Even one inch of water can cause thousands in damage - and most homeowners policies don’t cover it. Hi-Lo partners with Neptune Flood to make getting the right protection fast, simple, and affordable.
Peace of mind,
Before the storm and after.
Living in Texas means unpredictable weather - from heavy rains and tropical storms to rising water along the coast and bayous. Whether you’re in a high-risk zone or not, flood protection is one of the smartest investments you can make.
Even one inch of water can cause thousands in damage - and most homeowners policies don’t cover it. Hi-Lo partners with Neptune Flood to make getting the right protection fast, simple, and affordable.
Key Benefits of Flood Insurance
Bridges Coverage Gaps
Covers Home Structure
Protects Belongings
Fast Digital Quotes
Affordable Premiums
Tailored Coverage
Flexible Deductibles
Temporary Housing
Trusted Carriers
About Hi-Lo Insurance
We’re more than an insurance agency - we’re your local advisors.
With roots in the Greater Houston area, our mission is to protect families, homes, and businesses across the Gulf Coast with concierge-style service and comprehensive coverage options.
Whether you’re buying your first home, managing rental properties, or simply want better protection from Texas storms, our licensed agents make flood coverage simple, transparent, and tailored to your needs.
9+
Years Serving Texas
100%
Local & Independant
30+
Years of Combined Experience
97%
Client Retention
Get Covered Quickly
At Hi-Lo Insurance, we partner with Neptune Flood - a top-rated private flood carrier - to provide fast quotes, same-day coverage options, and superior protection compared to the National Flood Insurance Program (NFIP). Use the tool below to get your personalized flood quote in minutes and see how affordable real protection can be.
Integrity
Honesty and transparency.
Commitment
To protecting what matters most.
Excellence
Top-notch services.
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