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Fredericksburg(830) 990-2229Brady(325) 597-4222Mason(325) 347-6440San Saba(325) 372-4355A custom home in the Hill Country. A vacation rental welcoming weekend guests. A family business on Main Street. What you've built in Fredericksburg deserves insurance that understands it.
At Citizens Insurance Agency, we combine personalized local service with an exceptional lineup of national and Texas insurance carriers.
Our Fredericksburg agency's Germania roots are an important part of who we are.
We're proud to carry forward the relationships and personal attention associated with Kent Stehling Insurance Agency while expanding the insurance choices available to local families and businesses.
When Timothy Walker purchased the agency in 2018, the goal was straightforward: build on its local foundation, preserve the service customers valued, and introduce additional carriers that strengthened our ability to compete.
That approach has helped our office grow while keeping personalized customer care at the center of everything we do. We take the time to understand your property, your business, and your priorities before helping you compare coverage.
Our history connects us to Fredericksburg. Our carrier relationships help us protect its future.
Being independent is a valuable starting point. But the insurance companies an agency represents determine which options it can actually offer you.
Citizens Insurance Agency has built a lineup of Texas insurance carriers that few agencies can match, alongside an extensive selection of national insurance companies.
One company may be a strong fit for a home in town. Another may be better suited to a custom rural residence, a property on acreage, or a home used for short-term rentals.
Access to options you may not find through another agency.
Texas carriers familiar with rural properties and Hill Country living.
More opportunities to compare coverage, deductibles, and premiums.
Alternatives to explore when your current policy or renewal no longer fits.
Our team understands how to put those choices to work. We look at your individual needs, identify available markets, and explain the differences that matter.
Our carrier selection gives you more options. Our people help you make sense of them.
Customer reviews of our Fredericksburg office highlight what we work hard to deliver: friendly, knowledgeable staff, thoughtful answers, and personal attention when comparing insurance options.
We're proud when customers recognize our team for taking the time to explain coverage, research alternatives, and help them through important decisions.
That attention is at the heart of Citizens Insurance Agency. Whether you're insuring a family vehicle, a high-value rural home, or a local business, you deserve a team that listens and follows through.
Discover why our customers recommend us. Read our Google reviews, then let us put our experience and exceptional carrier selection to work for you.
Finding insurance for a high-value rural home can be challenging. A custom residence outside town may need an insurer comfortable with both its rebuilding cost and its location.
Helping insure these properties is one of our agency's strengths. We understand the questions that come with Hill Country homes: distance to the nearest responding fire station, access to water, acreage, custom construction, detached buildings, and how the property is occupied.
Our relationships with Texas carriers are particularly valuable here. We've built access to insurance companies that understand rural Texas and can evaluate properties that may fall outside another insurer's guidelines.
If your property includes agricultural activities, livestock, barns, or equipment, we can also explore appropriate farm and ranch insurance options.
LEARN MORE ABOUT HOME INSURANCEA distinctive Hill Country home deserves an insurance review that pays attention to its construction, finishes, rebuilding needs, and the way you use it.
Whether your Boot Ranch property is your primary residence or a second home, Citizens Insurance Agency can help you explore available coverage and insurance companies suited to its individual characteristics.
We help Stone Ridge homeowners review coverage for the residence, belongings, other structures, and personal liability.
If you've made improvements, added custom finishes, or haven't revisited your coverage recently, we can help you evaluate whether your policy still fits.
From Boot Ranch and Stone Ridge to rural homes throughout Gillespie County, our team brings local knowledge and exceptional insurance choices to your search.
Our broad carrier selection is especially valuable when a high-value home requires a more specialized approach.
A home that welcomes paying guests has different insurance needs from one used only by its owner.
Whether you operate a downtown guesthouse, a rural cabin, or a vacation home advertised through Airbnb or Vrbo, your agent needs to understand how the property is used.
Platform-provided protections and your property insurance policy can address different needs. We'll help you review your arrangements and identify questions or gaps worth addressing.
Does the policy permit your rental activity?
How are the building, furnishings, and other structures covered?
What liability protection applies to guest stays?
Is coverage available for lost rental income after a covered property loss?
How do pools, hot tubs, fire pits, or other amenities affect available options?
Does the property alternate between personal use and rental use?
Wine businesses combine hospitality, property, inventory, and sometimes agricultural or production exposures. Their insurance should reflect how they actually operate.
We help owners explore Fredericksburg winery insurance, vineyard insurance, and tasting room insurance with attention to their activities, property, and customers.
Buildings, production equipment, business property, wine inventory, stock and equipment breakdown.
General liability, liquor liability, events, food service, overnight accommodations and other customer-facing exposures.
Business interruption following a covered loss, commercial vehicles, deliveries, employees, workers' compensation and vineyard exposures that may require specialized coverage.
A downtown tasting room and a winery that grows grapes, produces wine, and hosts events need different conversations. We'll take the time to understand yours.
TALK WITH US ABOUT YOUR WINE BUSINESSFrom Main Street storefronts to businesses throughout Gillespie County, local owners deserve an agent who understands their work.
Citizens Insurance Agency helps customers compare Fredericksburg business insurance for retail shops, restaurants, professional offices, contractors, and service businesses.
Explore protection for inventory, fixtures, equipment, premises liability, and business interruption. Seasonal inventory, online sales, specialty merchandise, artwork, or other high-value stock should be part of the review.
Coverage discussions may include buildings, kitchen equipment, general liability, equipment breakdown, business interruption, workers' compensation, alcohol service, catering, delivery and special events.
We help owners explore general liability, commercial auto, tools and equipment coverage, and other options based on their work and contractual requirements.
Your vehicles deserve the same attention as your home or business.
We help individuals and families compare Fredericksburg car insurance based on their vehicles, drivers, coverage needs, and budget.
Buying a vehicle, adding a teenage driver, or seeing an increase at renewal? Let our team review your options. We can also compare available home and auto combinations. Bundling may offer savings, while separate policies may sometimes provide a better overall fit.
LEARN MORE ABOUT AUTO INSURANCEYes. High-value rural homes are an important part of our focus. We'll review your property's construction, location, occupancy, and rebuilding needs, then explore available carrier options.
Yes. Contact our team for a review of your home in Boot Ranch or Stone Ridge. Available coverage and pricing depend on the individual property and insurance company guidelines.
It can. Insurance companies may consider distance to a responding fire station, access to water, and other fire protection factors. Our experience with rural properties and Texas carriers helps us identify available options.
Yes. Timothy Walker purchased the agency in 2018. Today, Citizens Insurance Agency continues its personalized local service and Germania tradition while offering an expanded lineup of insurance carriers.
Insurance companies have different guidelines, coverage options, and pricing. Our Texas carrier relationships give us additional places to look, especially for rural homes and properties that may be a better fit with an insurer familiar with Texas.
Yes. As an independent insurance agency, we can compare available options based on your needs and eligibility. Our extensive selection of national and Texas carriers is one of the key advantages we bring to our customers.
Yes. Rental use can affect eligibility and coverage. Let us know before you begin accepting guests so we can explore insurance appropriate for the property's use.
Yes. We help business owners explore available insurance options based on their operations, property, employees, and liability exposures.
A longstanding Germania tradition. Personalized service. An exceptional lineup of Texas and national insurance carriers.
From Fredericksburg car insurance and high-value rural home insurance to vacation rentals, wineries, and local businesses, Citizens Insurance Agency helps you explore your options with a team that understands the community.
Formerly Kent Stehling Insurance Agency
625 S Washington St, Fredericksburg, TX 78624 | (830) 990-2229
More access. More choices. Local experience to help you choose well.
Coverage, discounts, and eligibility vary by insurance company and policy. Policy terms, conditions, and exclusions apply.
High-value homes, rural properties, vacation rentals, wineries, businesses and personal insurance with more carrier options.