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432-333-6962
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Personal Insurance

The Most Reliable Personal Insurance Agency in Texas

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Personal Insurance

The reality is that nothing is more valuable than peace of mind in this short life. We prepare you for the unexpected with premium insurance that fits your needs and budget.

 

Our insurance specialists take the time to listen to your needs, find and close any coverage gaps that could leave you vulnerable, and develop personalized insurance solutions that suit your needs.

 

Any insurance that protects individuals from financial loss due to death, injury, or property loss is called personal insurance. These insurance coverage options protect our clients and their families from losses they couldn’t otherwise pay. Owning a car and owning a home without worrying about going bankrupt is important to own personal insurance coverage.

 

Your coverage is determined by how much you are willing to pay in premiums. Hignojos Insurance Agency offers the most competitive plans in terms of affordability and security to our clients. We work out the details of your life so we can offer you the best coverage options tailored to your needs.

 

Our insurance policy at Hignojos Insurance Agency covers a range of security, including but not limited to auto insurance, home insurance, renters’ insurance, condo insurance, motorcycle insurance, RV insurance, pet insurance, wedding insurance, classic car insurance, flood insurance, and rental property insurance.

 

Make the best decision for your life and total well-being by reaching out to the passionate and customer-oriented policy agents at Hignojos Insurance Agency.

Home Insurance

Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We'll partner with you to design insurance coverage that will protect your company's property.

Auto Insurance

Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

Renters Insurance

When you rent or lease, your landlord’s insurance usually only protects the building itself—not your personal belongings. We’ll design coverage to protect your personal property and your lifestyle while renting.

Condo Insurance

The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.

Motorcycle Insurance

While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.

Off-Road Vehicle Insurance

Your off-road vehicle needs protection that’s different from what your auto or homeowners insurance can provide. We’ll help keep you and your off-road vehicle safe and secure while you explore.

RV Insurance

Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and also a safe one.

Snowmobile Insurance

Your snowmobile is used for recreation, but that doesn’t mean that there aren’t any risks involved. Snowmobile insurance covers the financial risks associated with owning a snowmobile.

Watercraft Insurance

Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We’ll help you leave your worries on dry land and fully enjoy your time on the water.

Classic Car Insurance

Your prized collector car represents real commitment of your time and resources. We’ll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.

Pet Insurance

Your pets are a part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs.

Wedding Insurance

Wedding insurance is a specialized type of event insurance that allows you to keep the stress out of your big day!

Flood Insurance

Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.

Earthquake Insurance

Even with your homeowner’s insurance, you’re still at risk in the event of an earthquake. A specialty earthquake insurance policy can help bridge the gap in coverage, keeping your home and possessions protected.

Mobile Home Insurance

Did you know that mobile homes are often at more risk than a typical home or apartment? Mobile home insurance is the best way to protect your home and possessions from these risks.

Sinkhole Insurance

Sinkholes are more common than you might think. And, surprisingly, damage from sinkholes is not typically covered under an existing household policy. Our experts can help you determine if sinkhole insurance is right for you.

Rental Property Insurance

Don’t be fooled, just because your tenant has rental insurance doesn’t mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.

Valuable Possessions Insurance

Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.

Excess Liability Insurance

Excess liability insurance is the best way to take your protection to the next level. It kicks in to pay any remaining costs once your original insurance policy has reached its coverage limit.

Umbrella Insurance

Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We’ll help protect your financial future.

High Net Worth Insurance

People with large assets have unique risks. High net worth insurance is a customized policy type that protects clients from these risks—from home insurance to travel insurance and much more.

Yacht Insurance

Spending time on your yacht is a luxurious, relaxing pastime. But, the risks associated with yacht ownership can put a damper on your downtime if you’re not fully protected. Our insurance advisors will review your risks and help you decide on coverage that keeps your investment afloat.

Travel Insurance

Traveling is exciting, but there are risks associated with every trip. Investing in a travel insurance policy can help put your mind at ease so you can relax and enjoy the journey.

Secondary Home Insurance

Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure you have the right coverage specially designed for the unique exposures involved.

Individual Life Insurance

You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

Child Life Insurance

No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We’ll talk you through the basics of a child life insurance policy to help you decide if it’s right for your family.

Individual Health Insurance

For those who don’t have employer-sponsored health plans, an individual health insurance policy is a necessity. We’ll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.

Individual Dental Insurance

Taking care of your teeth is part of being healthy. We’ll work with you to design coverage that gives you dental care at a reasonable cost.

Long-Term Disability Insurance

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months—even years. We’ll make sure you have financial support to manage your disability and your household.

Long-Term Care Insurance

Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We’ll help prepare you for the unexpected.

Medicare Supplement Insurance

Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.

Annuities

Annuities can be a valuable investment, but there are risks to consider. Our experts will help you decipher the different types of annuities so you can decide whether this type of investment is right for you.

Individual Retirement Accounts

IRAs are a powerful resource in helping you reach your retirement savings goals. Our experts will show you how an IRA can help you reach your retirement goals and which IRA type may best help you save on your taxes.