Garrett Insurance

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Our Leadership Team

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

Garrett Insurance Agency has been in business for over 105 years, which is a testament to our strong reputation and commitment to providing the best service to our clients. We take pride in our experience and the knowledge that we have gained throughout our long history.

Our experience has taught us that each client has unique needs, and we have developed the expertise to tailor our services to each individual client. We understand the importance of building lasting relationships with our clients and helping them navigate the complex world of insurance. We believe that our combined knowledge (over 300+ years) sets us apart from our competitors and gives us an edge in providing the best possible service.

We offer a wide range of insurance products, including but not limited to home, auto, life, and business insurance. Our experienced agents work closely with our clients to understand their specific needs and provide them with tailored insurance solutions that fit their requirements.

We also understand that the insurance industry is constantly evolving, and we are committed to staying up to date with the latest trends and developments. Our team of experts regularly attend industry events, workshops, and training programs to stay informed and up to date with the latest best practices.

We are proud of our history, and we will continue to build upon our legacy by providing our clients with the highest level of “Insurance Excellence Since 1918”.


Stephen R Schmerbeck

Stephen R Schmerbeck


Stephen Schmerbeck joined his father R. L. (Bob) Schmerbeck, III at Garrett Insurance in 1986 after two years of attending the University of Texas at Austin. Over the years, he has gained expertise in handling all lines of insurance business, including property and casualty (personal insurance/commercial insurance), life, health, and disability insurance. As the current CEO/Owner of Garrett Insurance Agency LLC, he has taken the company to new heights, including acquisitions in multiple states, and earning a reputation for excellence and reliability in the industry.

Apart from his successful career, Stephen is a man of diverse interests and talents. He is an avid triathlete, having completed numerous Ironman competitions over the years. He finds the sport to be a great way to stay physically fit and mentally sharp. In addition to this, he is also a licensed private pilot, flying single-engine aircraft in his free time. He enjoys the thrill of soaring through the skies, exploring new destinations, and taking in the breathtaking views from above.

In addition to his hobbies, Stephen is a dedicated philanthropist who has served on many non-profit boards of directors throughout his career. He is currently the President of the Kerrville/Kerr County Joint Airport Board. He enjoys giving back to the community and believes that everyone has a responsibility to make a positive difference.

His commitment to excellence in all areas of his life has made him a respected leader in the insurance industry and beyond. He is a source of inspiration and motivation for his colleagues, clients, and community members alike. Stephen has three children and recently welcomed his first grandbaby and resides in Kerrville and The Woodlands, TX.


Mark Lowry


Mark Lowry returned to his rural roots of Northwest Kansas in 1993 to join his father, Max Lowry, in the insurance industry. Mark worked in the family agency alongside his father and also his wife, Sally Lowry for many years, developing a strong presence in their region as well as a high standard of care for their clients and team members. Truly starting from the ground up Mark has filled every role and provided every service throughout his years in the agency, giving him a broad view of the insurance industry and business community.

Mark has served in many nonprofit and volunteer roles in his community throughout his career. At the state level Mark served in the Kansas Association of Insurance Agents progressing from committees and appointments through the executive chairs and was the KAIA President in 2010. Mark was awarded the Kansas Agent of Merit in 2011 and was recognized as the Kansas Agent of the Year in 2017 for his service to the industry and representation for his clients.

With over 30 years of business experience working with not only individuals, but also businesses and public entities Mark has become a resource for those interested in doing business in the region serving as a foundation board member for The Innovation Center serving a 26-county region in Kansas. Mark is also a graduate of the Kansas Chamber of Commerce’s Leadership Kansas Program and the Kansas Leadership Center giving him a broad view of Kansas, its challenges and opportunities. 

Married in 1991, Mark and Sally have four adult children and one grandson and currently reside in Stockton, KS where he serves as the President of Garrett Insurance and helps guide the Kansas team as well as continuing to build the Ag Department of GIA.

Core to Mark’s success is his faith and belief that God is directing his path and providing a vision for the future. 

“The Lord directs the steps of the godly. He delights in every detail of their lives. Though they stumble, they will never fall, for the Lord holds them by the hand.” Psalm 37:23-24

Kevan Harris

Kevan Harris

Senior Vice President of Sales

Kevan began selling insurance in 1992, and to this day, he is still redefining the sales industry into an experience of mutual trust and education. The desire and pursuit of becoming a trusted advisor has always been Kevan’s ultimate goal. He creates a stress-free process by educating clients and ultimately empowering them to make informed decisions for their families and businesses.

Being a trusted advisor to customers means believing in the services, products, and prices you represent. Therefore, Kevan has chosen a company where he is unrestricted in product offerings. Kevan has the ability to seek out the best coverage at the best price by combing through hundreds of insurance companies. This ability, along with a self-starter attitude and strong customer rapport, has earned him Texas Monthly Five Star Home & Auto Insurance Professional for ten consecutive years.

 At Garrett Insurance Agency, Kevan has the responsibility and honor of managing and working alongside his team in the areas of Home, Auto, Farm, and Commercial insurance. Currently, Kevan’s role in the agency is Senior Vice President of Sales. This position allows Kevan to work with both customers and the sales team, highlighting his passion for seeing everyone succeed. 

True to Kevan’s curious spirit, he enjoys working with customers who are seeking unique and challenging coverage. Oftentimes, customers become Kevan’s close friends, as he has strong ties to the community he lives and works.

When not at the office, Kevan enjoys spending time with his wife and their two adult children. The occasional round of golf is an added bonus, as Kevan used to be a golf pro in his former life. Kevan also makes time for volunteer work, whether it’s at the Women’s Job Corps, Habitat for Humanity,  or serving in the international mission field.


Tamara Yarbrough

Senior Manager, Business Operations & Service

Tamara started her insurance career in 2011 when she joined Garrett Insurance Agency. She began as a commercial lines account representative and specialized in certificates of insurance due to her meticulous nature and attention to detail. She worked in several departments including commercial lines, agricultural and operations/systems. Her knowledge of the insurance business, determination, courage, and empathy of others are a few of the qualities in Tamara which deserved her to be  promoted to Senior Manager of Business Operations and Services in 2022. 

Tamara was born and raised in Kerrville, TX. She married the love of her life in 2015 and they have two children and continue to reside in Kerrville. With her husband, and many relatives all owning businesses locally in Kerrville, she has strong ties to the community.  She takes great pride in making sure all clients are insured adequately and treated with the finest service. 

Besides her love for her family and her career, Tamara also has many interests and talents. She loves to travel and has been to many different places all over the world. She loves to cook and try new foods and considers herself a wine connoisseur. She loves event planning and has planned many parties and celebrations for family and friends over the years from small intimate gatherings to large events. She is an avid reader and loves re-reading books because they always speak to her differently each time.  

One of Tamara’s favorite quotes is “Courage doesn’t mean you don’t get afraid. Courage means you don’t let fear stop you.” by Bethany Hamilton. 



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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