Branch Owner

Marilyn and Randy Caldwell

Branch Owner / Agent

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  • 972-635-6775

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After attending East Central University in Ada, Oklahoma, Randy and Marilyn were married in 1976. They have two sons: Ryan and Blake. Both of their sons are graduates of the University of Oklahoma.

Marilyn started in the insurance business as a customer service representative for Foremost in 1980. In 1986 she became an underwriter with Chubb. After being an underwriter for seven years, Marilyn joined Randy at his Allstate Agency. In 2007 she opened TWFG/Caldwell Insurance in Royse City, Texas.

Randy is a graduate of East Central University. He has been in the insurance business since 1986. Randy has been an agent for Employers Insurance of Texas and Allstate Insurance Company. In 2009, Randy became part of TWFG/Caldwell Insurance.

Being independent agents allows them to shop multiple carriers for the client. Randy and Marilyn work as a team to make your insurance shopping experience more productive and cost effective.



At Caldwell Insurance, we’re focused on you.

We have your best interests in mind & provide the highest level of customer service



Affordable, Reliable Insurance Choices


Caldwell Insurance is independently owned and locally operated to handle your insurance needs. We focus on Royse City and offer affordable and reliable insurance choices all across Texas.

We will help you find the right combination of tailored, personalized insurance coverage at just the right price to fit your needs.



Why Choose an Independent Agent?


Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value. With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like Caldwell Insurance you get choices. Why? Because independent insurance agencies, like Caldwell Insurance, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent insurance agents, we are members of the Royse City community, and we’re committed to doing business face-to-face and being your advocate in times of need.

Here are a few reasons why Caldwell Insurance should be your first and last stop when looking for insurance:

  • We work for you when you have a claim.
  • We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
  • We are your consultants, working with you as you determine your needs.
  • We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
  • We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, and more
  • We can periodically review your coverage to keep up with your changing insurance needs.
  • We are committed to customer satisfaction – it’s the key to our livelihood.
  • We treat you like a person, not a number.
  • We are licensed professionals with strong customer and community ties.

There is a difference. To find out how our independent insurance agency can help you find the right insurance coverage, contact us today.

At the end of the day, TWFG is a company that cares. We care about our customers, their customers, their families, and the communities in which they have chosen to build their lives. And we wouldn't be the company we are today without the caring people who make it possible. Those who come in every day with the hope – the goal – of making a real difference in the lives of the people we protect. We treat you like one of our own. Because you are.

Our Team

Kelli's Profile Photo

Kelli Hunt


Auto, Home/Renters, Life/Health, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Event, Luxury Items, Business Owners Policy, Commercial Bonds

Languages: English
Judy's Profile Photo

Judy Dodd


Auto, Home/Renters, Life/Health, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Event, Luxury Items, Business Owners Policy, Commercial Bonds

Languages: English


403 S Elm St
Royse City, TX 75189

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