Garrett Insurance

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Kerrville, Texas

Kerrville 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 Kerrville Independent Insurance Agency offering a variety of commercial and personal insurance and risk management solutions. For over 100 years, we’ve helped local businesses and families make sure they have coverage when it matters most.

In 1918 Garrett Insurance Agency, Inc was founded by W. G. Garrett, Jr. & L. D. Garrett. They were secretaries & treasurer of Chas. Schreiner Company, a large department store, sold property and casualty insurance as a sideline business. In 1932 the Garrett brothers hired their nephew R. L. Schmerbeck, Jr. and in 1966 R. L. (Bob) Schmerbeck, III joined the agency. Stephen R Schmerbeck joined the agency in 1986 & purchased the agency in 2010.  Since that time, our Kerrville location is considered our “home base” for all our locations in Texas and Kansas.

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.

Garrett Insurance - Kerrville


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 Kerrville 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 Kerrville

212 Sidney Baker Street S
Kerrville, TX 78028
Phone: (830) 896 6600
Fax: (855) 928 2121
Office Hours: 8am-5pm M-F


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