Insurance Questions, Answered.

Citizens Insurance Agency is a local, independent insurance agency with offices in Fredericksburg, Brady, Mason and San Saba, Texas. We help individuals, families, property owners and businesses compare coverage and choose policies with the help of a local agent.

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.

Citizens is led by President and CEO Timothy Walker. Tim purchased the Brady agency in 2009 alongside his former business partner, Bob Rice, became sole owner in 2017 and purchased the Fredericksburg agency in 2018.

The Brady agency has local roots going back nearly 100 years, and the San Saba office, formerly Gage Insurance Agency, has served its community for nearly 50 years.

Independent agencies do not all offer the same choices. The insurance companies an agency represents decide which options it can bring you. Citizens pairs an extensive selection of national carriers with a lineup of Texas carriers that few agencies can match, which gives us more places to look.

Yes. Our Fredericksburg and San Saba offices carry forward a Germania tradition, and we continue that relationship while offering additional insurance choices.

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.

We serve Central and West Texas and the Texas Hill Country, including Gillespie, McCulloch, Mason and San Saba counties and communities such as Fredericksburg, Stonewall, Harper, Doss, Brady, Rochelle, Lohn, Melvin, Mason, San Saba, Richland Springs, Cherokee and Bend.

Often, yes. Contact the office nearest you to confirm which insurance companies and coverage options are available for your address.

Yes. Timothy Walker purchased the agency in 2018. Citizens continues its personal local service and Germania tradition with an expanded lineup of carriers.

Yes. Our San Saba office was formerly known as Gage Insurance Agency and continues its nearly 50-year history of serving the community.

Yes. A local agent can review your vehicles, drivers, current coverage, liability limits and deductibles, and compare available options. Rates and eligibility are set by the insurance company.

Collision generally covers damage to your vehicle from a collision with another vehicle or object. Comprehensive generally covers non-collision losses such as theft, hail, fire, vandalism and certain animal strikes. Both are subject to your deductible and policy terms.

Covered hail damage and covered animal strikes are generally handled under comprehensive coverage, subject to your deductible. Liability-only policies do not cover damage to your own vehicle.

Call before buying or replacing a vehicle, adding a driver (especially a newly licensed teen), paying off a loan, moving, or when your renewal arrives, so your coverage keeps up with your situation.

Homeowners policies commonly include coverage for the dwelling, other structures, personal belongings, personal liability and additional living expenses after a covered loss. Exact coverage, deductibles and exclusions depend on the policy.

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.

Wind and hail deductibles can work differently from your other home deductibles, and they matter in Texas. Ask your agent how yours applies and how covered roof damage is settled on your policy.

Yes. Short-term or vacation rental use can affect eligibility and coverage. Tell us before you begin accepting guests so we can look at insurance suited to how the property is actually used.

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.

There is no single amount that fits everyone. Income replacement, debts, a mortgage, dependents and long-term goals all affect how much coverage to consider. A local agent can walk through those factors with you.

Term life insurance provides coverage for a set period, such as 10, 20 or 30 years. Permanent life insurance is designed to remain in force as long as required premiums are paid and policy requirements are met. Availability, cost and features vary by insurance company and policy.

Often, yes. Boats, travel trailers, motorhomes and other recreational vehicles can have risks that a standard auto or homeowners policy does not fully address. Your agent can review the right options for how you use them.

Yes. Our offices help local business owners explore options such as general liability, commercial property, business owners policies, commercial auto, workers’ compensation and, where available, professional liability, cyber and commercial umbrella coverage.

Yes. If your property includes acreage, barns, livestock, equipment or agricultural activity, tell us about it. A standard homeowners policy may not address every exposure, and we can help you explore farm and ranch options.

Yes. We help business owners in Fredericksburg and our other communities explore coverage based on their operations, property, employees and liability exposures.

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.

Yes. Renewal is a good time to review pricing, coverage, deductibles and any changes in your household, property or business. Contact us before your renewal date so there is time to compare options.

No. Submitting a form or message on this website does not bind, change or cancel coverage. Coverage is only in effect once confirmed by an agent and the insurance company.

Contact your insurance company using the claims information on your policy documents. If you need help finding the right claims contact, call your Citizens office.