Garrett Insurance

Garrett Insurance logo

The Woodlands, Texas

The Woodlands 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 The Woodlands 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 as Southern Star Insurance Agency/Insurance Associates of Texas (which was originally located in Conroe and has since relocated to The Woodlands), was founded in 1981 by Cecil Joiner. On August 1, 2017, Cecil joined our agency and Southern Star became a part of Garrett Insurance. Cecil has remained with our agency and specializes in the niche market of Gas/Propane dealers. Also located at our Woodlands office is Agent/Producer Nancy Schmerbeck-Kevorkian. Nancy sells all lines of insurance, but mainly focuses on Commercial/Business and she is part of the Schmerbeck family that founded Garrett Insurance. Our location in The Woodlands gives us a footprint in the “Best City to Live in America” (as rated by Niche)!

FINAL-COVER---The-Woodlands exterior

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 Woodlands 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
The Woodlands

2202 Timberloch Place
Suite 219 The Woodlands,
TX 77380
Phone: (936) 756 2222
Fax: (855) 928 2121
Office Hours: 8am-5pm M-F


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