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About Us and What We Do

A Foundation of Industriousness and Caring

We’re a family owned agency, and since our beginning we’ve treated clients like family. Our great uncles started the agency in 1918 when they sold insurance at night above a department store at which they worked. Our uncles got to know well the people whom they served, and they then started a trend of getting to know all clients personally. Today, we carry on our founders’ trend, and it engenders trust between us and our clients. Trust makes it easy to deliver the best insurance and the finest services.

Insurance of Any Kind That Can Suit Anyone

We have strong relationships with our clients and also with our preferred companies, and for this reason we offer broad coverages and also discounts to the people whom we serve. We write all lines of insurance, so there’s nothing that we can’t provide and there’s no one whom we can’t keep secure.

For individuals we have homeowners, auto, life, and health insurance options, and we have many other options also. Whether one wants to replace income for dependents or protect valuable assets, we can help him or her.

Our business program can keep any commercial enterprise in Texas protected, and this program has many insurance options, including professional liability, commercial general liability (CGL), directors and officers (D&O), and workers compensation. We have a farm program that will secure any farm or agribusiness in The Lone Star State, and we also have specially designed programs for businesses in more than 25 different industries. We can select coverages from our specially designed programs in order to make any policy or plan complete. 

To learn more about our insurance offerings, please visit our products page

A Commitment to Clients and Community Involvement

We take a hands-on approach to delivering insurance and to providing services. We assess clients’ needs thoroughly, and once we know and understand clients’ needs, we identify the right coverages. At the points that we’ve identified the right coverages, we create the best possible solutions. 

We keep a close eye on the solutions that we write, and this ensures that there are never gaps in coverage and that the rates that clients pay are always competitive.

We’re as committed to being a part of the communities that we serve as we are to delivering the best insurance and the finest services. We’re members of the Kerrville Rotary Club, the Kerrville Host Lions Club, and the Kerrville Area Chamber of Commerce, and also we’re on a local hospital board. We support Bark for Life and Relay for Life, and we also donate to a number of nonprofits. We’re triathletes, pilots, soccer coaches, military parents, and stock show participants. 

Contact us or call us today. If you’re ready to start on a policy, request a quote.

Additional Insurance Informaiton:


At Garrett Insurance Agency we’re proud to provide insurance and risk management solutions in Kerrville, Comfort, Boerne, Fredericksburg, San Antonio, and Ingram, TX. We also serve other areas in the state.

Our Locations

Garrett Insurance Agency - Main Office

212 Sidney Baker Street S
Kerrville, TX 78028
Main office: 830-896-6600
Fax: 830-896-1822

Conroe Office

122 Commercial Circle Suite 200
Conroe, TX 77304
Main office: 936-756-2222
Fax: 936-760-1990


108 Theodore Specht Dr
Fredericksburg, TX 78624
Main office: 830-997-9531

Garrett Insurance Agency - Back Office

712 Hill Country Drive, Ste 202
Kerrville, TX 78028
Main office: 830-896-6600
Fax: 830-896-1822

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.