Garrett Insurance Agency - Main Office
212 Sidney Baker Street S
Kerrville, TX 78028

Fax: 855-928-2121

Make Payment using SEP

Business, Home, and Auto Insurance in Kerrville, TX

KAI Garrett Insurance Agency LLC

We’re a family owned and operated agency with two locations in Texas and we deliver insurance and risk management solutions.  We’ve served individuals and businesses for more than 95 years, and we believe in forging meaningful relationships with clients.  The relationships that we have with clients are things that we nurture, and as a result we become trusted advisors of our clients and we also become like family members.  This makes it easy for us to provide the finest products for the right prices.

Our Insurance Offerings

We have a wide variety of insurance options, and these options are both personal and commercial.  Home, auto, life, and recreational vehicle policies are among our personal options, and a business program that keeps almost any commercial enterprise secure is one of our commercial options. 

We’re a generalist agency and we therefore provide insurance of all kinds for anyone.  We insure farmers, contractors, and consultants, and we serve these individuals, like we do all of our clients, with tailored products and personalized services.  If you run a technology sales store or if you want to insure personal assets, we’ll help you.

To learn more about our offerings, see our products page.


Services and Support

We’ve served residents of and businesses in Kerrville, Texas and towns throughout Texas for a long time, so we know these individuals’ and organizations’ needs.  We meet their needs by providing customized solutions and personalized products.  As a result, every client that we serve stays fully secure in cost-efficient ways. 

We manage risk and claims and we’ll manage your risk and we’ll manage any claims that you file.  We’re also reachable whenever you want or need to get a hold of us, so getting important information will be easy for you.

We welcome an opportunity to tell you more about our agency so please contact us or give us a call.  You can request a quote if you’re ready to get started.

Additional Insurance Information:

Please check out our partrner agency Frantzen, Kaderli & Klier Insurance.



Meet Our Team

Stephen R Schmerbeck
Stephen R Schmerbeck


Mark Lowry
Mark Lowry


Kevan Harris
Kevan Harris

Senior Vice President of Sales

Tamara Yarbrough
Tamara Yarbrough

Senior Manager, Business Operations & Service


Superior customer service and we've been with them for over a decade. They shop the best rates and coverage. We have multiple lines of business through Garrett Insurance and are loyal customers because of their service.

Holly Kallemyn

Great insurance agency !!! I highly recommend them for any of your needs. Be sure to talk to Linda areolla she’s very thorough knowledgeable and sweet.

Michael Vega

We are very happy with the professionalism of Garrett Insurance. We have been paying for insurance (with many different companies) for over 50 years and we agree, this is the best agency we have dealt with. They are very quick to send an adjuster and handle our claims. They are also most affordable!

Carole Bell

Great service, great local company.

Kyle Bond

Very friendly!

Regina J

Called for a builders risk proposal. Responses was prompt and professional. Excellent company.

Quenton Guzardo

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