Independent agency · Four Texas offices
Local Insurance for Real Life.
Local agents. Personal service. Protection for your home, your vehicles and everything that matters in between, from Fredericksburg to San Saba.
Get a QuoteCall a Local AgentOur four offices
Fredericksburg, TX 78624(830) 990-2229Fredericksburg office →
Brady, TX 76825(325) 597-4222Brady office →
Mason, TX 76856(325) 347-6440Mason office →
San Saba, TX 76877(325) 372-4355San Saba office →
What we insure
Coverage for the Way Texans Live
Compare options from national and Texas insurance companies with a local agent who takes time to explain them.
Auto Insurance
Cars, pickups and drivers, with liability limits and deductibles explained in plain English.
Learn more about Auto Insurance →Home Insurance
In-town homes, rural properties and acreage, with Texas carriers that understand country living.
Learn more about Home Insurance →Life Insurance
Term and permanent options to help protect your family, your mortgage and your plans.
Learn more about Life Insurance →Boat & RV Insurance
Boats, travel trailers, motorhomes and other recreational vehicles that need their own coverage.
Learn more about Boat & RV Insurance →Business, farm & ranch, too.
Request a QuoteRetail shops, restaurants, wineries, contractors, vacation rentals, acreage, barns and livestock.
Independent insurance agency
Insurance Coverage for Central & West Texas
Citizens Insurance Agency helps individuals and families protect what matters most with local guidance and coverage options built around real life in Texas.
With offices in Fredericksburg, Brady, Mason and San Saba, our team serves customers throughout the Texas Hill Country and surrounding Central and West Texas communities. Whether you are comparing auto insurance, protecting your home, planning for your family’s future with life insurance, or covering a boat, RV or other recreational vehicle, you can talk with a local agent who understands the area.
As an independent insurance agency, Citizens works with multiple insurance companies rather than a single carrier. That gives our agents the flexibility to help you compare available coverage and find a policy that fits your needs, property and budget.
About CitizensThe Citizens advantage
More Access. More Choices. Local Experience.
Independent agencies do not all offer the same options. The carriers an agency represents decide what it can bring you, and ours is a lineup few agencies can match.
4
Local offices
Fredericksburg, Brady, Mason and San Saba, each with a hometown team you can call or visit.
TX+US
Carrier lineup
An extensive selection of national insurance companies plus a lineup of Texas carriers few agencies can match.
Rural
Property experience
Acreage, outbuildings, distance to fire protection and property use: the details that matter outside city limits.
1 call
Real people
A local agent who explains your options, reviews renewals and helps when your needs change.
Our heritage
A Century of Hometown Service
Citizens grew from a Brady agency with deep local roots into four offices across the Hill Country, keeping the personal attention that built it.
Each office carries its own community history. We are proud to continue those relationships while bringing more insurance companies and more choices to the families and businesses we serve.
Read Our Story- ~100 yrs
Brady roots
The Brady agency has served McCulloch County for nearly a century, built on relationships with generations of local customers.
- 2009
A new chapter in Brady
President and CEO Timothy Walker purchased the agency alongside his former business partner, Bob Rice, who had owned it years earlier.
- 2017
Locally owned and led
Tim Walker became the sole owner, and the success of the Brady office became the launching pad for growth across Central and West Texas.
- 2018
Fredericksburg joins
Tim Walker purchased Kent Stehling Insurance Agency, carrying forward its personal service and Germania tradition while adding carriers.
- ~50 yrs
San Saba tradition
The San Saba office, formerly Gage Insurance Agency, has served the community for nearly 50 years and keeps its Germania relationship.
Google reviews
What Our Customers Say
★★★★★
“I will always be a customer of Citizens.”
★★★★★
“A live person answers the phone.”
★★★★★
“Very nice company and even nicer people.”
Four local offices
Local Agents Serving the Texas Hill Country & Beyond
Our offices in Fredericksburg, Brady, Mason and San Saba put us close to the people and communities we serve across Gillespie, McCulloch, Mason and San Saba counties and surrounding areas.
- Fredericksburg
- Stonewall
- Harper
- Doss
- Brady
- Rochelle
- Lohn
- Melvin
- Mason
- San Saba
- Richland Springs
- Cherokee
- Bend
Our goal is simple: make insurance easier to understand and give you a real person to call when you need help.
Offices & MapsQuick Answers
Is Citizens an independent insurance agency?
Yes. As an independent agency, Citizens works with multiple insurance companies rather than a single carrier, so our agents can compare available options instead of fitting every customer into one company’s policies.
Where are your offices located?
Fredericksburg: 625 S Washington St, Fredericksburg, TX 78624, (830) 990-2229. Brady: 1608 S Bridge St, Brady, TX 76825, (325) 597-4222. Mason: 341 Fort McKavitt St, Mason, TX 76856, (325) 347-6440. San Saba: 101 E Wallace St Ste A, San Saba, TX 76877, (325) 372-4355.
Can you insure a home on acreage or far from a fire station?
Yes, rural property is an important part of what we do. Distance to a responding fire station, water access, roof condition, construction, outbuildings and property use can all affect coverage and price, and our Texas carrier relationships give us more options for country homes.
Can I bundle home and auto insurance?
Some insurance companies offer multi-policy discounts or package options. We can compare bundled and separate-policy options to see which gives you suitable coverage and value.
How do I request a quote?
Use our Request a Quote form or call any Citizens office. Your current policy is a great starting point. For auto we will need driver and vehicle details, for home we will need property details, and for business we will ask about your operations.
Ready when you are
Let’s Find the Right Coverage.
Tell us what you need to insure and a local Citizens agent will follow up.