Business Details
45 Years
experience
Emergency
services
Your Trusted Insurance Partner in Rowlett, TX
Costlow Insurance has been a trusted provider of comprehensive insurance solutions in Rowlett, Texas since 1981. What began as a single-owner proprietorship has evolved into a full-service independent insurance agency, offering policies from top-rated carriers such as Allstate, Safeco, and Progressive. Our team of licensed agents specializes in tailoring coverage to meet the unique needs of individuals, families, and businesses across the Dallas-Fort Worth metroplex. We prioritize personalized service, leveraging decades of combined industry experience to deliver unbiased advice and competitive rates.As advocates for our clients, we focus on simplifying complex insurance decisions while ensuring maximum protection. Our commitment to transparency, ethical practices, and community service has solidified our reputation as a premier insurance partner in Texas. With 24/7 claims support and a focus on bundling discounts, we strive to make insurance accessible and cost-effective for every client.
Services
Auto Insurance
Homeowners Insurance
Renters Insurance
Life Insurance
Boat Insurance
RV Insurance
Motorcycle Insurance
Business Insurance
Commercial Property
General Liability
Details
- Year established: 1981
Highlights and features
- We offer free insurance rate comparisons from multiple carriers.
- We customize and bundle policies to reduce your liability and costs.
- We advocate for your best interests, not the insurance company's.
- Locally owned and operated with decades of industry experience.
- We represent only A-rated or better insurance carriers for reliability.
What people say
Best I've ever dealt with
Professional and honest service
Found best rates
Saved me money
Best insurance experience
Services
Auto Insurance
Costlow Insurance provides comprehensive auto insurance coverage tailored to individual driver profiles and vehicle types. Our policies protect against liability, collision, and uninsured motorists while offering bundling discounts. With access to top-rated carriers, we help clients secure competitive rates without compromising coverage quality. Our agents guide clients through policy customization to ensure optimal protection for personal and commercial vehicles.
Homeowners Insurance
We offer customizable homeowners insurance policies protecting against property damage, liability claims, and personal belongings coverage. Our team helps clients navigate policy options for primary residences, vacation homes, and investment properties. By comparing multiple carriers, we ensure competitive pricing and comprehensive protection tailored to specific property risks in Texas markets.
Business Insurance
Costlow Insurance delivers specialized business insurance solutions including BOPs, liability coverage, and workers' compensation. Our agents assess unique business risks to create policies protecting against property damage, operational interruptions, and legal claims. We serve diverse industries across the DFW metroplex with customizable coverage options from trusted carriers.
Life Insurance
We provide term and permanent life insurance policies designed to meet clients' financial protection goals. Our agents explain policy nuances and help determine appropriate coverage amounts based on family needs and financial obligations. By working with multiple insurers, we secure competitive rates for life insurance that adapts to changing life circumstances.
RV Insurance
Our RV insurance policies cover motorhomes, travel trailers, and fifth wheels with protections for collision damage, roadside assistance, and personal belongings. We offer customizable coverage options considering seasonal usage patterns and storage requirements. Our agents help clients balance premium costs with comprehensive protection for their recreational investments.
People
Mickey Shaw
Owner/Director
With prior careers in grocery operations and IT management, Mickey transitioned to insurance in 2002. He leverages technology expertise to streamline operations while maintaining personalized service as a licensed Property & Casualty agent.
Alan Orshalick
Owner/Director
Bringing corporate sales experience and business ownership background, Alan joined Costlow in 2004. He focuses on delivering unbiased insurance advice while utilizing his Property & Casualty licensing to serve client needs ethically.
Chuck Allums
Owner/Director
After corporate experience, Chuck joined Costlow in 2004 to prioritize personal client relationships. He emphasizes long-term trust-building through Property & Casualty and Life & Health insurance services while maintaining client-centric values.
Debbie Simonek
Agent
Since 2006, Debbie has combined prior business ownership experience with insurance expertise. She focuses on smooth office operations and customer service excellence, applying Pennsylvania government financial team experience to Texas insurance needs.
Lance Lankford
Agent
With 15 years as an all-lines adjuster, Lance brings claims perspective to his 2007-present agency role. His field experience solving insurance problems informs his Property & Casualty licensed approach to client policy management.
Questions
What types of insurance does Costlow Insurance offer?
We provide auto, home, renters, life, boat, RV, motorcycle, ATV, business, commercial property, general liability, workers' compensation, and business interruption insurance policies.
How can I get a free insurance quote?
Contact us via phone at 972-463-8043 or visit our website to request a no-obligation insurance comparison from multiple carriers.
Do you offer insurance bundling discounts?
Yes, we specialize in customized policy bundles that reduce overall costs while maintaining comprehensive coverage across multiple insurance lines.
What areas do you serve?
We serve the entire DFW metroplex including Dallas, Plano, Richardson, Rockwall, Rowlett, and surrounding Texas communities.
How do I file an insurance claim?
Access 24-hour claims resources through our website or contact our office directly for immediate assistance with claim submission and processing.
Are your agents licensed professionals?
Yes, all our agents hold active Property & Casualty licenses, with many possessing additional Life & Health insurance certifications for comprehensive service.
Videos
