Garrett Insurance

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About Us

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Welcome to Garrett Insurance, a family-owned agency. Our mission is to provide comprehensive, customized insurance solutions that protect what matters most to you.

As a leading independent insurance agency in Texas with a strong reputation for dedication, we’re committed to delivering the best service, personalized guidance, and customized plans that meet each of our clients’ unique needs.

Our History

Garrett Insurance was established more than a century ago, in 1918, by our great uncles. They prided themselves on treating all their clients like family, and we carry on that tradition today.

Garrett Insurance has since flourished through generations of family management. We’ve continued to expand our services and expertise over the years to cater to the unique needs of our diverse clientele.

Whether you need commercial or individual insurance plans, we’ll use our 100-plus years of experience to ensure that you receive the best experience working with one of our trusted agents.

As proud residents of the Lone Star State, our staff members belong to many local organizations, including the Kerrville Rotary Club, the Kerrville Host Lions Club, the Kerrville Area Chamber of Commerce, and the local hospital board.

Our staff supports charitable initiatives, such as Bark for Life and Relay for Life, and we aid a number of area nonprofits. Our team members also serve as local soccer coaches, triathletes, military parents, pilots, and stock show participants, making us true fixtures within the community.

Because we understand the needs and values of our fellow community members, we’re able to offer insurance options that truly benefit them and their loved ones.


Our longevity in business, commitment to the people and business we serve and devotion to the community in which we live has resulted in recognition from The Independent Insurance Agents of America as a Best Practices Agency, The Texas Historical Commission with their Texas Treasure Business Award and a Texas Historical Marker, The Kerrville Area Chamber of Commerce with their inaugural Hall of Fame Award and Cornerstone Award recognizing our one-hundred years of membership and the Kerrville Daily Times Readers Choice Awards for 2022 as Best Insurance Agency and Best Agent.’

– Bob Schmerbeck

Our Services

We offer a wide range of insurance products and services designed to provide coverage for all clients, including:

  • Personal insurance coverage
  • Commercial insurance coverage
  • Life insurance plans
  • Health insurance coverage
  • Specialty insurance coverage

Garrett Insurance Agency, having expanded through acquisitions in both Texas and Kansas, now provides comprehensive insurance and risk management services across a wide range of locations. In Texas, we serve communities such as Kerrville, Fredericksburg, San Angelo, Boerne, The Woodlands, and Willis, while also extending our reach throughout the entire state. Additionally, with acquisitions in Kansas, we now offer our services in Stockton, Manhattan, Hill City, Russell, Phillipsburg and surrounding areas.

We offer coverage for individuals, families, and businesses to ensure that no client goes unprotected. Contact us today to learn more about us and our history or request a quote.



Reach out today and find out how to get the best in commercial and personal insurance coverage for you, your family, and your business.


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