Garrett Insurance

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Fredericksburg, Texas

Fredericksburg Insurance Agency: Your Trusted Partner in Safeguarding What Matters Most

Business, Home, and Auto Insurance for You, Your Family, and Your Business


Let Garrett Insurance give you the Peace of Mind to Enjoy Life.

We are a family-owned and operated Fredericksburg Independent Insurance Agency offering a variety of commercial and personal insurance and risk management solutions. We started in Kerrville, TX over 100 years, and have expanded throughout Texas and Kansas. We’ve helped local businesses and families make sure they have coverage when it matters most.

Formerly known in Fredericksburg as Frantzen, Kaderli, and Klier Insurance Agency (FKK), which has roots traced back to 1929. On January 1, 2015, Garrett Insurance acquired FKK and had the pleasure of working with Lester Frantzen & Greg Kaderli (prior owners) for many years. In addition to all lines of Property & Casualty insurance, FKK brought a Benefits department to Garrett Insurance.  Tricia Herrera managed the Benefits department for FKK & is still with us today. 

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We are humbled and honored to have received the Reader’s Choice Awards from the Kerrville Daily Times for Best Insurance Agency, Best Insurance Agent, and Best Boss. These awards speak to the dedication we have to each member of our Kerr County community. The Texas Historical Commission recently awarded Bob and Stephen Schmerbeck, of Garrett Insurance, with a Texas Historical Marker for recognition of 100-plus years of protecting your treasures since 1918.


As an independent agency we provide insurance of all kinds for families, farmers, commercial businesses, and health/life/employee benefits. Call us today for a quote customized for your specific needs.

Commercial Insurance Products

Personal Insurance Products


The Fredericksburg Insurance Agency for YOU.

As part of the Garrett Insurance family, you won’t just get an insurance policy. You’ll receive the BEST protection for your specific needs through our partnerships with leading insurance providers. We also take an active risk management role by helping our clients file and manage claims. Whether you are interested in protecting your family or safeguarding your business, we can find the right coverage to protect what’s yours.



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




Insurance Excellence Since 1918

independent insurance agenttrusted choice

Garrett Insurance Fredericksburg

108 Theodore Specht Dr Fredericksburg, TX 78624
Phone: (830) 997 9531
Fax: (855) 928 2121
Office Hours: 8am-5pm M-F


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