Recommended elite-level agency with higher expertise to match insurance coverage. Recommended Local Agency
Garrett Insurance Agency, LLC
  • Business
  • Home
  • Auto
  • Life

Garrett Insurance Agency, LLC

Independent Insurance Agent in Fredericksburg, TX

About us

Protect What Matters Most.

At Frantzen, Kaderli & Klier Insurance Agency, Inc, we've been serving the insurance needs of individuals and businesses in our communities for over 95 years. We are proud to offer ALL lines of business (including benefits). As an independent agency, we work with numerous insurance carriers - allowing us to shop around to find you the best price for the coverage you need.

We understand that there are many places to get insurance protection, and we are dedicated to standing out by providing the very best customer service possible. Reach out to us today to learn more, or to request a quote. We look forward to hearing from you!

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Why choose Garrett Insurance Agency, LLC

States we serve

  • Texas

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Farm
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • RV / Motorhome
  • Renters
  • Snowmobile
  • Special Event
  • Umbrella
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Life

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

Allstate, Atlas General Agency, Bristol West Insurance Company, CNA, Chubb, Cincinnati Insurance Company, Encompass, GuideOne Insurance, Hagerty, Mercury Insurance Group, Oxford Life Insurance Company, Philadelphia Insurance Companies, RPS, Republic F&C Insurance Company, Standard Mutual Insurance Company, The Hartford, Tuscano Agency, Union Standard Insurance Group, United Fire (UFG), Utica First Insurance Company, Utica National Insurance, Vindati

Garrett Insurance Agency, LLC Team

Stephen Schmerbeck - Chief Executive Officer
Stephen Schmerbeck
Chief Executive Officer
(830) 896-6600 LinkedIn Profile
  • CIC

Garrett Insurance Agency, LLC Reviews

Average based on 4 reviews Leave a review

Customer Reviews

March 8, 2020

They're the BEST!!!

March 8, 2020

I had a question on my insurance after hours. Sent email to them and I had immediate answer from Stephen Schmerbeck. He had my agent contact me the next day. Wonderful customer service. Thank you so much.

March 8, 2020

I have used them for more than 20 years, and they are fast on any need I have ever had, and they have provided the best rates out there.

March 8, 2020

Excellent customer service! Cheyenne always helps me without hesitation. You won't find a more friendly staff.


Garrett Insurance Agency, LLC

Protect What Matters Most.

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