Savings. Service. Experience. Reliability. Expertise
Costlow Insurance is a trusted and experienced insurance agency, proudly serving the Dallas/Fort Worth Area since 1981. With a rich history of providing exceptional customer service, our agency has grown from a single owner proprietorship into a full-service independent insurance agency, offering some of the best insurance values in Texas today.
Our Philosophy
At Costlow Insurance, our philosophy is simple: to support our customers with the best possible customer service our team of licensed insurance agents can provide. We believe in building strong relationships with our clients, understanding their unique needs and tailoring our services to meet their specific requirements.
Our Expertise
Our team of licensed insurance agents is dedicated to finding the best possible value for our clients. With years of experience and expertise, we can provide personalized insurance solutions for our clients, including homeowners, auto, renters, mobile home, life, boat, personal watercraft, RV, ATV, Motorcycle, and business insurance.
Why Choose Us?
At Costlow Insurance, we pride ourselves on our:
- Expert Advice: Our licensed insurance agents are trained to recognize your best possible value and provide personalized insurance solutions that meet your unique needs.
- Free Insurance Rate Comparison: We represent many insurance companies, allowing us to provide a personalized insurance policy quote that's right for you.
- Only Pay For What You Need: We customize and bundle insurance coverages to reduce your liability and risk, while providing you with the best possible value.
- Locally Owned & Operated: We promote reliability, ethics, and savings, ensuring that our customers receive the best possible service.
- Your Advocate: We provide unbiased advice, ensuring that our clients receive the best possible insurance solutions, and we're always looking out for their best interests.
Our History
Costlow Insurance has been serving the community since 1981, with a commitment to providing exceptional customer service and personalized insurance solutions. Our experienced team of licensed insurance agents is dedicated to finding the best possible value for our clients, whether they're individuals, real estate professionals, mortgage companies, home builders, or business customers.
Get in Touch
We invite you to learn more about our services and how we can help you find the best possible insurance solution for your needs. Contact us today to schedule a consultation with one of our licensed insurance agents.
Disappointing Experience with Juli Howk
Several reviewers have expressed dissatisfaction with their experiences with Juli Howk. Tonya Roland, who lost her mother and was trying to settle her insurance claim, reported being rude and unhelpful. Juli's response to Tonya's request for assistance was unsympathetic and unprofessional, prompting Tonya to warn others about their company. Nivaldo Nyko also had a terrible experience, as his previous claims history made him unable to get insurance with Costlow.
Exceptional Service from Some Staff Members
On the other hand, several reviewers have praised the excellent service they received from Costlow's staff. D. Harris, Valerie Carroll, Vivi Rogers, Shane Baxter, Joe LaPlante, Pat Stanfill, Betty Oakerson, Chad Lindsey, Elizabeth Reisch, B. Lewis, B. Thompson, and David Torres all credited specific agents, such as Debbie Simonek and Chris Black, with providing superior customer service, knowledge, and expertise.
Insurance Process and Pricing
Reviewers have also shared their positive experiences with the insurance process and pricing. Many have appreciated the personalized attention and guidance they received in choosing the right policy, and some have even saved money by switching to Costlow. However, Tonya Roland's situation highlights the potential difficulties that can arise when trying to settle claims.

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