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Your Trusted Local Insurance Partner in New Braunfels, TX
We are a member-owned insurance association deeply rooted in the communities we serve. Founded in 1889 by a group of local farmers who recognized the need for mutual protection, we have upheld the principle of neighbors helping neighbors for over 130 years. As a Texas-based property insurance association, we operate independently of stockholders, prioritizing the needs of our members through transparent governance and annual financial reviews. Our commitment to stability and personalized service has made us a trusted partner for homeowners, farmers, and businesses across Texas.We specialize in tailored insurance solutions, including home, farm equipment, manufactured home, and commercial policies, while maintaining a streamlined claims process focused on fairness and efficiency. Our team combines generational expertise with modern adaptability to ensure our members receive both financial security and peace of mind.
Services
Home Insurance
Farm Equipment Insurance
Manufactured Home Insurance
Auto Insurance
Commercial Insurance
Flood Insurance
Liability Insurance
Highlights and features
- We have protected Texas communities with member-owned insurance since 1889.
- Our claims process guarantees contact within 24 hours of filing.
- We offer customized policies for homes, farms, and commercial properties.
- Our team includes in-house adjusters for efficient claim resolution.
- We prioritize transparency through annual member financial reviews.
Services
Home Insurance
Our home insurance policies protect primary residences, rental properties, and condominiums against unexpected damages. We offer customizable coverage options to safeguard personal property and provide financial security during repairs or rebuilding. With over a century of experience, we ensure tailored solutions that meet individual homeowner needs while maintaining competitive rates.
Farm Equipment Insurance
Designed for Texas farmers, this coverage protects essential farm machinery and outbuildings critical to livelihoods. We provide flexible policies that help clients recover quickly from equipment damage or loss, ensuring minimal disruption to agricultural operations. Our claims process prioritizes rapid response to maintain productivity for rural communities.
Manufactured Home Insurance
We offer specialized policies for manufactured homes, including Farmers Mutual 8 and 12 plans. These programs provide comprehensive protection tailored to the unique needs of manufactured home owners, with options to customize coverage levels based on individual risk factors and property specifications.
Commercial Insurance
Our in-house agency provides commercial insurance solutions covering liability, property damage, and operational risks. We serve Texas businesses with policies designed to protect assets while offering personalized risk management advice. Clients benefit from consolidated coverage options that simplify insurance needs under one provider.
Claims Handling
We guarantee claims contact within 24 hours through dedicated representatives and after-hours emergency lines. Our adjusters work directly with policyholders to assess damages fairly, while clear documentation guidelines help expedite settlements. Mortgage company coordination ensures compliance with Texas legal requirements for claim disbursements.
People
Josh Salge
President / General Manager
Josh leads our association with over 20 years of insurance experience, overseeing operations and strategic direction while maintaining hands-on involvement in member service.
Terry Hall
Treasurer / Assistant General Manager
Terry manages financial operations and supports day-to-day management, bringing extensive expertise in insurance accounting and policy administration to our team.
Roger Bading
Board Director
As a board member, Roger contributes community insights and governance oversight, ensuring our association maintains its member-focused mission and financial stability.
Questions
How do I file a claim after business hours?
Call our after-hours claims line at 830-217-1608. A representative will take your message and contact you as soon as possible.
What information do I need to file a claim?
Have your policy number, property address, contact details, date of loss, and damage description ready when reporting your claim.
Can someone else handle my claim for me?
We can only discuss policy details with the member or their legally authorized power of attorney representative.
How does the claims payment process work?
Claim checks include both the member and mortgage company names. Contact your lender beforehand to understand their endorsement process.
Do I need to hire my own contractor for repairs?
Yes, members select their own contractors. We recommend obtaining multiple estimates to compare repair costs and quality.
What types of insurance policies do you offer?
We provide home, farm equipment, manufactured home, auto, flood, liability, and commercial insurance policies tailored to Texas residents' needs.
