Concierge-Style
Insurance, Tailored to You
From home and auto to business and flood, we compare top‑rated carriers to build the right protection at the right price - without the hassle.
Independent • Texas‑Based • 30+ Years Combined Experience • 97–98% Retention
Prefer to talk? Call (832) 906-3139.
Smart Coverage Options for Every Need
Every family and business is unique. Browse our most‑requested policies and start a quote in minutes.
Home Insurance
Protect your home, belongings, and liability with customizable options and discounts.
Auto Insurance
Safer driving starts with smarter coverage — liability, collision, comprehensive, and more.
Professional Liability
E&O, D&O, and med‑mal options tailored to your industry risks.
Flood Insurance
Flood isn’t covered by standard home policies; compare NFIP with private market options.
Life Insurance
Explore term and permanent solutions to protect your family and future plans.
Umbrella Coverage
Add an extra layer of protection that extends your liability limits, and protects your assets.
Renters Insurance
Flood isn’t covered by standard home policies; compare NFIP with private market options.
Landlord / DP Coverage
Explore term and permanent solutions to protect your family and future plans.
General Liability
Add an extra layer of protection that extends your liability limits, and protects your assets.
Business Owners Policy
Flood isn’t covered by standard home policies; compare NFIP with private market options.
Commercial Auto
Explore term and permanent solutions to protect your family and future plans.
RV & Boat Insurance
Protect your adventures, on the road or water. From motorhomes and travel trailers to fishing and ski boats.
Insurance Without the Runaround
1. We Learn Your Needs - A quick conversation or online form so we understand your goals and must‑haves.
2. We Shop Multiple Carriers - We compare coverage and price, then
explain your options in plain English.
3. We Handle the Paperwork - E‑sign, proof of insurance, and ongoing service, all with one local team.
Featured Programs
Quick wins we deliver every week for Texas families & businesses.
Home + Auto Bundle
Save with multi‑policy discounts while aligning liability limits across your household.
Private Flood vs. NFIP
Compare coverage, waiting periods, and pricing - we’ll help you choose the best fit.
Small Business Starter Pack
A streamlined BOP + GL + optional cyber to satisfy landlord and contract requirements.
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
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.
Can you match or beat my current policy?
Often we can improve coverage and still be competitive. As an independent agency, we shop multiple carriers and present clear choices.
What affects my premium most?
Driving record, claims history, home age/roof, construction type, credit‑based insurance score (where allowed), location, and selected limits/deductibles.
Do you offer private flood or just NFIP?
Both. We compare NFIP with private policies to find the right balance of coverage, price, and waiting period.
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.
How fast can I get proof of insurance?
Often same‑day once we confirm details and bind coverage. We’ll provide ID cards and certificates as needed.
Do you work with lenders and landlords?
Yes — we provide certificates and help align policy requirements with contracts and leases.
Can I bundle home, auto, and umbrella?
Yes, bundling is a great way to streamline coverage and save with multi‑policy discounts.
What’s your service area?
Based in Texas, serving families and businesses across the state including Galveston, Houston, Katy and Austin.
How do claims work?
Call us first. We’ll help you understand deductible & claim impact, then we coordinate with your carrier (when possible).
Don't see your question? Contact us
Ready to Save Time & Money?
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Integrity
Honesty and transparency.
Commitment
To protecting what matters most.
Excellence
Top-notch services.
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