Call Us Today:
Kerrville:
830.896.6600
Fredericksburg:
830.997.9531

Meet Our Team

*Garrett Insurance Agency - Main Office

  • Stephen Schmerbeck

    President
    Office: 830-896-6600
    Mobile: 830-459-1111
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
    Get Directions >>

    Stephen is the President of Garrett Insurance Agency, Inc and has been in the agency since 1986.  He handles all lines of insurance, however, his main focus is on Commercial/Business Insurance.  He is a cyclist/triathlete & enjoys flying around the Hill Country as a private pilot.  Stephen & his family are members of City West Church.

  • Kevan Harris

    Director Of Operations / Producer
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
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    Kevan is the Commercial Lines Manager at Garrett Insurance & has over 20 years of experience in the insurance industry.  He joined our staff in 2011 and strives to tailor the needs of his clients with the best product available.  Kevan is a native of Kerrville & very involved in the Hill Country Crush Soccer Academy & Trinity Baptist Church.

  • Linda Arreola

    Producer
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
    Get Directions >>

    Linda is our Personal Insurance Agent and has been in the insurance industry since 1988.  Along with the years of experience as an Agent she has access to multiple national insurance companies that she can match to the Clients for the best combination of price, coverage and service that is right for you and your family.  Linda is experienced in Home, Auto, & Life Insurance products.  She has been awarded the Texas Monthly Five Star Home/Auto Insurance Agent for 2011, 2012, 2013, 2014, 2015 & 2016 - this award is given to the 1% Central Texas Agents based on Client Satisfaction.  Having lived in Kerrville since 1982 & raising two children here, she has strong ties to the community.

  • Zabrina Rowell

    Personal Lines CSR VP
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
    Get Directions >>

    Zabrina joined the Garrett Insurance Agency staff in the summer of 2008.  She is our Personal Lines Customer Service Representative Vice-President and is licensed in Property & Casualty as well as Life & Health.  Zabrina is active in the local community & non-profit organizations.  She is also an avid cyclist//triathlete.  Her professionalism and work ethic adds strength to the Garrett Insurance Agency team.  Zabrina works diligently and is committed to providing incomparable customer service to our valued client base.

  • Pam Burgess

    Customer Service Representative - Commercial Lines
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
    Get Directions >>

    Pam was with the Texas Hills office when it was acquired by Garrett Insurance Agency in April of 2013.  She has over 37 years of experience in the insurance industry and works in our Commercial Lines Division.  She is a licensed agent with her Certified Insurance Service Representative & Certified Insurance Counselor (CIC) designations.  Pam has lived in Kerrville most of her life & is very active in the American Cancer Society's Relay for Life.

  • Lori Wood

    Customer Service Representative - Commercial Lines
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
    Get Directions >>

    Lori came to Garrett Insurance Agency with the acquisition of the Texas Hills Insurance Agency in April of 2013.  She has worked in the insurance industry since 2002 & is licensed in Property & Casualty.  She is an Accredited Customer Service Representative (ACSR).  Her easy-going demeanor puts clients at ease when discussing their insurance needs.  Lori & her husband have lived in Kerrville area since 1985 & have raised two lovely daughters here.

  • Mia Teague

    Customer Service Representative - Commercial Lines
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
    Get Directions >>

    Mia joined the Garrett Insurance team in 2013 as a Commercial Lines Customer Service Representative.  She is licensed in Property & Casualty.  Mia is fairly new to the insurance industry, but with her determination and drive to achieve, she is a very valuable member of our team.  She & her husband have lived in Kerrville for 8 years and have one daughter that attends Tivy High School.

  • Cheyenne Rodriguez

    Customer Service Representative - Personal Lines
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
    Get Directions >>

    Cheyenne has been with our agency since 2014.  She holds a Property & Casualty License & services the needs of our Personal Lines clients.

  • Alyssa Lutz

    Ag Account Manager
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
    Get Directions >>

    Alyssa joined our office as our receptionist in October of 2015.  She, most likely, will be the first voice you hear when calling our office. 

  • Caleb Schmerbeck

    Marketing
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
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    Caleb has joined our team part-time as he continues his education at Schreiner College.  Caleb will help with receptionist duties, but, will also be in charge of marketing (which is what he is studying at Schreiner in addition to business).  Caleb is now the fifth generation of the Schmerbeck family here at Garrett Insurance!

  • Jasmyn Wade

    Billing - Personal Lines & Commercial Lines
    Office: 830-896-6600
    Fax: 830-896-1822
    212 Sidney Baker Street S
    Kerrville TX 78028
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    Jasmyn recently joined our team and, most likely, will be the first voice you hear when calling our office.  She holds a Property & Casualty License & has had many years in the customer service industry.  She was born & raised in Kerrville, & recently moved back to raise her son in this wonderful community she loves to call home. 

Fredericksburg

  • Stephen Schmerbeck

    President
    Office: 830-896-6600
    Mobile: 830-459-1111
    Fax: 830-896-1822
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Stephen is the President of Frantzen, Kaderli & Klier Insurance Agency, Inc. (which is a wholly owned subsidiary of Garrett Insurance Agency, Inc.).  Stephen splits his time between Frantzen, Kaderli & Klier & Garrett Insurance. Stephen has been in the business since 1986 & is the fourth generation from his family to be in the insurance profession.  He handles all lines of insurance, however, his main focus is on Commercial/Business Insurance.  He is a cyclist/triathlete & enjoys flying around the Hill Country as a private pilot.  Stephen & his family are members of City West Church.

  • Kim Morales

    Director of Operations
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Kim began an insurance career in 1994 & enjoys helping customers find the right package in auto, home, life, health & commercial insurance.  She has a strong & loyal customer base due to her exceptional customer service.  She focuses on their needs, takes the time to listen, & explains all aspects of the insurance coverage.  Kim started with Garrett Insurance Agency, Inc. & is now managing the Frantzen, Kaderli & Klier office.

  • C W Lees

    Producer
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    C.W. has been in the insurance industry since 2001.  He is licensed in Property & Casualty, Life & Health Insurance, & also carries the Texas Independent Insurance Adviser Designation, TIA.  C.W. spends most of his time in the Commercial Insurance field providing one-on-one consultation with business owners for the purposes of risk discovery.  C.W. pays special attention to risk transfer methods & advises clients on ways to reduce loss exposures by applying risk management principles.  C.W. has lived in Fredericksburg since 1989, & has two children.  He is active in various youth sports.  He has served on his church's board as a deacon & was a board member for the Fredericksburg Youth Baseball Association. 

  • Wes Georgeson

    Producer
    Office: 830-997-9531
    Mobile: 830-890-1233
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Wes has been in the insurance industry in many different ways.  He started in his families agency in Kansas helping quote home & auto policies, delivering paper work, or tagging along on farm visits.  Wes then spent time as a claims adjuster while in college for Allied/Nationwide Insurance.  Next he spent a summer learning supplemental insurance as an intern with Aflac.  He is one of the very few Texas agents certified with an AFIS (Agribusiness & Farm Insurance Specialist) designation.  He enjoys spending time with insureds he considers "salt of the earth".  Ranchers, grape growers, dairy operators, cotton farmers, & even the very common in the Hill Country "hobby farmer".  He married his wife, Kim, in 2012 & they currently have two children, Jet & Stella.  They enjoy watching the Kansas City Royals, cooking, fishing, & hunting.  Wes & his wife are members of Trinity Baptist Church in Kerrville.

  • Tricia Herrera

    Benefits
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    A Fredericksburg native, she is a graduate of the University of Texas in Austin with a BS degree.  A lifelong member of Holy Ghost Lutheran Church, she & her husband were married there in 1990.  They moved to Houston, & the family was blessed with three beautiful children.  She worked in several insurance related businesses, including her last job as a claims examiner.  They decided to return home & raise their family in Fredericksburg.  She joined this agency in September, 1999 & obtained her life & health license in 2000.  The most rewarding aspect of her work is helping people in this community, & meeting the new folks who have chosen to make Texas their home. 

  • Lynn Fleming

    Benefits
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Lynn first joined the life & health department at Frantzen, Kaderli & Klier Insurance in December, 2004 & obtained her license in March, 2005.  She strives to counsel her clients on benefits & coverages best matching their needs & budgets.  Her emphasis is on customer service for all benefits-related products, ensuring a trusting relationship with her clients of all ages.  Lynn has more than 20 years of experience in public relations & marketing, & was previously public relations director for Special Olympics in Oklahoma & Texas.  She & her native Texan husband, Gene, share a mutual love of the Texas Hill Country, & moved to Fredericksburg in 2004.

  • Ruth Busby

    Customer Service Representative - Commercial Lines
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Ruth is a licensed commercial lines account manager & has been in the insurance industry since 2002.  She has a certified insurance service representative designation & currently working on her certified insurance counselor designation.  Ruth joined the agency in 2014, & has lived in the Texas Hill Country for 3 1/2 years.  She spends most of her free time with her family.

  • Steve Hamilton

    Customer Service Representative - Commercial Lines
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Steve has been licensed in Property & Casualty since 2013.  He joined this agency in February 2015 with an emphasis on commercial lines.  Previously, he spent over 21 years serving at various non-profit organizations.  He has lived in the Texas Hill Country since 1989, and believes it is the best place to raise his two daughters.  He is active in his Lions Club & in the Emmaus Community.

  • Kaley Morales

    Producer
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Kaley joined Frantzen, Kaderli & Klier Insurance in 2015.  She is preparing to complete her Commercial Insurance Lines insurance agent license, & is currently providing clerical support for the agency.  Kaley was raised in the Texas Hill Country.  She is married & has two children.

  • Lindsey Hickman

    Customer Service Representative - Personal Lines
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Lindsey joined the Frantzen, Kaderli & Klier team in the fall of 2009.  She is Property & Casualty licensed working with Personal Lines.  Her duties include handling claims, writing new business and servicing existing accounts.  She strives for superior customer service and is always willing to help with all aspects of Personal Lines insurance needs.  Lindsey was born and raised in Fredericksburg and is now raising her family here.

  • Shay Dodes

    Customer Service Representative - Personal Lines
    Office: 830-997-9531
    Fax: 800-280-9531
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Shay has been working in the insurance industry since 2000.  She currently holds a license in both Property & Casualty, as well as in Life & Health.  Her specialty is assisting you with your home & auto insurance needs.  Shay & her husband, Bill, have lived in Fredericksburg since 1999.  They are enjoying raising their two children in the Texas Hill Country.

  • Annie Blakely

    Receptionist
    Office: 830-997-9531
    Fax: 1-855-276-8078
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Annie is new to the insurance industry & excited to be on staff, learning from the ground up as the receptionist.  Her degree is in journalism, which led her to work as a newspaper reporter for many years.  She also has work experience as a licensed massage therapist, yoga instructor and as a home improvement sales specialist at Lowe's.  Annie & her husband, Mike, live on acreage west of Fredericksburg along with their menagerie of dogs, sheep, horses & one cat.

  • Lori Borders

    Receptionist
    Office: 830-997-9531
    Fax: 855-276-8078
    108 Theodore Specht Dr
    Fredericksburg TX 78624
    Get Directions >>

    Lori is new to the insurance industry and excited to be on staff, learning from the ground up as the receptionist.  She previously spent the last 27 years working with a non-profit organization, taking care of the children in our community.  She is preparing to complete her life & health license, and is looking forward to being able to continue helping the families in this community.

Garrett Insurance Agency - Back Office

  • R. L. (Bob) Schmerbeck

    Previous Owner/Producer
    Office: 830-896-6600
    Fax: 830-896-1822
    712 Hill Country Drive, Ste 202
    Kerrville TX 78028
    Get Directions >>

    Bob is an agent for Garrett Insurance Agency, Inc and has spent his entire career with the agency.  After over four decades, he still enjoys working with people to tailor insurance products to their specific needs.  Active in the community, he has served in leadership roles with the Rotary Club of Kerrville, The Museum of Western Art, Sid Peterson Memorial Hospital, Schreiner University & First Presbyterian Church.

  • Trent Richmond

    SVP
    Office: 830-896-6600
    Fax: 830-896-1822
    712 Hill Country Drive, Ste 202
    Kerrville TX 78028
    Get Directions >>

    ** Coming Soon **

  • Jeremie Krehbiel

    Director of Risk & Relationship
    Office: 830-896-6600
    Fax: 830-896-1822
    712 Hill Country Drive, Ste 202
    Kerrville TX 78028
    Get Directions >>

    ** Coming Soon **

  • Monty Melcher

    Producer
    Office: 830-896-6600
    Mobile: 830-377-6902
    Fax: 830-896-1822
    712 Hill Country Drive, Ste 202
    Kerrville TX 78028
    Get Directions >>

    Monty has been an Insurance Producer since 2007 and is certified as a CRIS (Commercial Risk Insurance Specialist).  He holds a license in Property & Casualty and Life & Health.  He specializes in Commercial Products ranging from Commercial Property, Commercial Auto, General Liability, Inland Marine, Workers Comp, Surety Bonds & Benefit Programs.  He will also assist with Personal Lines such as Home & Auto, Farm & Ranch along with Life & Health coverage.  He strives to advise his clients on managing risk in order to achieve asset protection.  Monty is a 1988 graduate of Texas Tech University, with a BS degree in Agricultural Business.  His family moved to Kerrville, Texas from Austin in 2003.  He is married to Dr. Linette B Melcher a local Neurologist and has two children, Cameron & Paige.

  • Tamara Yarbrough

    Director of Agency Automation
    Office: 830-896-6600
    Fax: 830-896-1822
    712 Hill Country Drive, Ste 202
    Kerrville TX 78028
    Get Directions >>

    Tamara has been with Garrett Insurance Agency since 2011.  She is our Commercial Lines Customer Service Representative Vice-President & Executive Assistant.  She is licensed in Property & Casualty.  Her meticulous nature makes her a real asset in dealing with our Commercial clients & their Certificates of Insurance.  Tamara was raised in Kerrville & loves spending time with her family.

  • Patty Alspaugh

    Accounting/Bookkeeping
    Office: 830-896-6600
    Fax: 830-896-1822
    712 Hill Country Drive, Ste 202
    Kerrville TX 78028
    Get Directions >>

    Patty joined our office in the summer of 2013.  She is in charge of our accounting/bookkeeping.  Patty has worked as a bookkeeper for over 22 years in the Kerrville area.  In her spare time, she enjoys spending time with family, including her two adorable granddaughters.

  • Brenda Kleypas

    Bookkeeper
    Office: 830-896-6600
    Fax: 830-896-1822
    712 Hill Country Drive, Ste 202
    Kerrville TX 78028
    Get Directions >>

    Brenda joined our agency in 2015 & is our assistant bookkeeper.