Protecting What Matters Most - With Coverage Tailored to You

Get fast, comparative quotes and concierge-level guidance from trusted, local advisors serving Sugar Land, Katy, and Greater Houston.

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Our Services

Smart Coverage Options for Every Need

Whether you’re protecting your home, your car, or your business,

Hi-Lo Insurance connects you with top-rated carriers and personalized coverage that fits your lifestyle. Our local advisors make comparing and choosing the right policy simple and stress-free.

Home Insurance

Protect your home and everything in it with coverage designed for real life. From storms to everyday surprises,

Hi-Lo helps you stay secure where it matters most.

Auto Insurance

Drive with confidence. We compare top carriers to find the best combination of protection, benefits, and savings — all tailored to you and your vehicle.

Commercial Insurance

Your business deserves strong protection. From general liability to commercial auto, we help safeguard your operations so you can focus on growth.

Flood Insurance

Flooding can strike when you least expect it. We make it easy to protect your home and belongings with clear, affordable flood coverage tailored to your area.

Life Insurance

Plan ahead with life insurance policies designed to support your family’s future - because peace of mind should last a lifetime.

Umbrella Coverage

Add an extra layer of protection with an umbrella policy that extends your liability limits, and protects your assets, when life gets unpredictable.

Why Choose Us

Experienced Advisors. Personalized Protection.

With nearly a decade in business and over 30 years of combined experience in mortgage and insurance, Hi-Lo Insurance brings unmatched insight to protecting your home, your investments, and your future. Our roots in the Houston area mean we understand the real risks Texans face - from hurricanes to rising property values - and we use that knowledge to deliver clear, customized coverage that fits your life and goals.

Local Expertise
Top-Rated Carriers
Concierge-Level Service
Built on Experience & Trust

Talk with an Advisor

9+

Years Serving Texas

30+

Years Combined Industry Experience

45+

Trusted Insurance Carriers

97%

Client Retention

Testimonials

What Our Clients Say

"Worked Diligently"

"Hi-Lo is very responsive and worked diligently to find savings across ALL of my insurance needs. Estimated savings per year will be well over $1000!"

- Randy W, Houston

"Saved me thousands"

"She was helpful every step of the way and helped save me thousands! She understood my needs very quickly and needed very little guidance! Would definitely recommend!"

- Michael J, Fulshear

"Dedicated and Loyal"

"We have a very dedicated and loyal friend with Hi Lo not only prompt and on time when you need them but the best quotes in all the southeast Texas Area."

- Jason W, Texas City

Have Questions?

We've Got The Answers You're Looking For

Insurance can be confusing - but it doesn’t have to be. Here are answers to some of the most common questions we get from our clients across Texas.

How does Hi-Lo compare rates from different carriers?

We’re an independent agency, which means we’re not tied to a single carrier. We compare rates and coverages from over 45 trusted insurance companies to find the best value for your needs.

Can I bundle my home and auto insurance for a discount?

Yes! Bundling home and auto is one of the easiest ways to save. We’ll walk you through your options and show which carriers offer the best combined savings.

How long does it take to get a quote?

Most quotes are ready the same day. Once we have a few details, we shop your coverage across multiple carriers and email or call you with side-by-side comparisons.

What types of businesses do you insure?

We work with small to mid-sized businesses across Texas - including contractors, real-estate investors, CPAs, lawyers, café owners, retail owners - providing property, liability, commercial auto, and more.