Branch Owner

Cornel Cernat

Owner/Agent

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  • 972-499-1861
  • English, Romanian, Spanish

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We are a Professional, Independent Agency. We dedicate ourselves to Excellent Customer Service and saving you as much as possible on any insurance need you may have! We shop around with a number of Nationally branded companies. To serve you on Home insurance, Auto insurance, Business Insurance, Workers compensation. Pretty much any insurance needs! We look forward to serving you for many years to come, we pride ourselves on long lasting relationships. Get and Instant Quote Online, or call us Today!

 

Welcome to TWFG Insurance Service- Cornel Cernat  your trusted local insurance broker in Garland, Texas . Our team of experienced insurance agents is dedicated to providing top-notch insurance services tailored to your unique needs.

As a reputable insurance agency based in Texas, we offer a wide range of insurance products to meet your requirements. Whether you’re looking for comprehensive auto insurance, reliable home insurance, life coverage that gives you peace of mind, or health insurance options that prioritize your well-being, we’ve got you covered.

At TWFG Insurance Service- Cornel Cernat, we understand the importance of protecting what matters most to you. That’s why we offer competitive insurance rates and flexible coverage options, including liability and property insurance for your personal and commercial needs. Our dedicated team will guide you through the insurance policy options, helping you understand the terms, deductibles, and premium rates associated with each plan.

When you choose TWFG Insurance Service- Cornel Cernat, you’re selecting a local insurance provider that values customer satisfaction. We strive to make the claims process as smooth as possible, ensuring a hassle-free experience for our policyholders. Our commitment to exceptional service has earned us positive customer reviews, establishing us as a reliable and trustworthy insurance agency in Garland, Texas.

For those seeking insurance quotes or looking to compare insurance rates, we offer a simple and convenient process. Contact us today to get a free insurance quote and explore the best insurance options for your specific needs. Trust TWFG Insurance Service- Cornel Cernat for all your insurance requirements – we’re here to serve and protect you.

    • insurance agency
    • insurance broker
    • insurance company
    • insurance agent
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  2. Types of Insurance:
    • auto insurance
    • home insurance
    • life insurance
    • health insurance
    • renters insurance
    • business insurance

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

Mason's Profile Photo

Mason Patterson

Sales Manager

INFO

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

Office: 469-857-5915
Mobile: 713-979-8690
Fax: 972-499-1861
Email: masonp@twfg.com
Languages: English
Location:
Aspazia 's Profile Photo

Aspazia Cernat

Licensed Insurance Agent

INFO

Auto, Home/Renters

Office: 469-857-5915
Mobile: 214-208-8039
Fax: 972-499-1861
Email: acernat@twfg.com
Languages: Romanian, English
Location:
Kimberly 's Profile Photo

Kimberly Orr

Insurance Agent

INFO

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

Office: 469-857-5915
Mobile: 682-222-5171
Fax: 972-499-1861
Email: korr@twfg.com
Languages: English
Location:
Julisa 's Profile Photo

Julisa Martinez

Insurance Agent

INFO

Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Business Owners Policy

Office: 469-857-5915
Mobile: 972-684-0782
Fax: 972-499-1861
Email: jmartinez@twfg.com
Languages: English , Spanish
Location:

Locations

4036 Broadway Blvd.
Garland, TX 75043

Our Trusted Insurance Carrier Partners

Refer a Friend

We are fiercely committed to earning your trust and your business every day and would be honored for the opportunity to extend this commitment to your friends and family with your referral. Please click on the “Refer A Friend,” provide their name and contact details, and we will be happy to provide them with guidance and a free quote.

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Privacy Policy

We value you, respect your privacy, and work hard to protect your personal information. Your use of the website or mobile app indicates that you agree to this Privacy Policy and our Terms of Use.

This Privacy Policy applies to personal information collected and used when you visit our website, and from your interaction with any other TWFG product or offering, such as by requesting a quote or purchasing an insurance policy.

This Privacy Policy explains how we collect, use and protect your personal information. Non-public personal information is information that identifies an individual which is not made available to the public. This information can be collected by an institution from consumer provided information, customer transactions, or providing a product/service.

What information do we collect?

We collect personal information about you in order to provide desired products and services. We use this information to give you more information about TWFG and its agents, provide quotes, issue policies, assist with and file claims, or to communicate with you about your account, policy, or service. The information we collect varies with the services and products you choose to contact us about or purchase from us. TWFG will collect personal information only in accordance with applicable laws or regulations or in response to your request for a product or service from us.

TWFG collects and uses personal information about you from information you provide to TWFG, or to our agents on applications, and in other communications (such as your name, address, telephone number, email address, birth date, driver’s license or state identification number, vehicle identification number, social security number, employment history, or education history); information from your transactions with us (such as your insurance policy number, payment history, billing address, underwriting and claim documents, telephone or voice recordings); and information from non-affiliated companies such as insurance companies, insurance underwriters, and public record databases (such as your claims history, credit reports or consumer history, court records, or arrest records). We may review insurance claims information and other loss information reports, and we may also obtain medical or financial information in relation to some types of policies.

How do we protect your information?

TWFG maintains physical, electronic, and procedural safeguards designed to protect your personal information. Only authorized representatives, employees, insurance agents and administrators are permitted to have access to that information. Access is restricted to those individuals who need to do their job or use that information to provide products or services to you.

However, no website, app, database, or system can be guaranteed to be completely secure. You also have a responsibility to take reasonable measures to protect your personal information and account information, and to not share your password with anyone.

What Information We May Disclose and To Whom We May Disclose

We do not sell your information to anyone. We do not disclose any personal information about our customers or former customers, except as permitted by law. TWFG may disclose the information we collect about you in order to deliver products and services to you, provide customer service, handle claims, protect against fraud, review claims history or administer your policy. For these purposes, we may share your personal information with insurance companies, insurance brokers, your agent, your mortgagee, our affiliated companies and others who provide services for your policy or claim. We engage third-parties to act as our service providers and perform certain tasks on our behalf in connection with delivering our products and services to you, such as processing and storing personal information, assisting with marketing, communications and advertising, processing credit card or other financial charges and providing technology services. We also may disclose information to credit bureaus or in response to subpoenas, law enforcement agencies, and other state agencies. Our business partners are legally bound to protect your nonpublic personal information.

For Employees, Branch Owners and Other Service Providers

This Privacy Policy also applies to current and prospective TWFG employees, Branch owners and other service providers. We may collect personal information (such as your birth date, social security number, driver’s license or state identification number, credit reports, or arrest records) and professional or educational information that you share with us to apply for a career with TWFG and to provide support with insurance licensing. We may use the personal information that we collect about you, or that you provide to us, to process applications and to protect the rights or property of TWFG, its clients, employees, Branches and others.

For Website Users

We do not use the tracking/collection technology, such as cookies, to collect any of your personal information. The only information we collect when you access the website is what you actually input into the site or mobile app. This includes information provided when you send a question/feedback (name, email, phone number) or zip code if you want to connect with a nearby agent.

Should you submit a comment or feedback, do not submit confidential information in the comment box. Questions or changes regarding your specific account or policy information should be made to your agent directly, not through the general questions/feedback submission page on the website.

For your convenience, links have been provided to third-party websites so that you can obtain a quote or specific policy and claims information. Should you access a link to a third-party website, you will be taken to a website that is no longer governed by TWFG and this Privacy Policy. Please refer to the third-party’s privacy policies carefully as the terms likely differ. TWFG is not responsible for third-party sites.

Our website is not intended for children’s use. We do not market products or services to children under 13 years of age, nor do we knowingly collect information from them.

Please see the TWFG Terms of Use for further notices and responsibilities that come with using our website.

For Mobile App Users

This Privacy Policy applies to the use of the TWFG Mobile app. The app is intended to provide a convenient way for you to access information about your policy, communicate with your agent, and file a claim. The only information we collect when you use the app is the information you provide in the app. Please only provide the information that is requested and take reasonable measures to protect confidential information when providing and uploading information. To use certain features of the app, camera access is required. Do not submit any unnecessary confidential information through the photo submission feature.

Using certain features of the app, such as making a payment or claim, will take you to third-party websites to complete the transaction. Should you access a link to a third-party website, you will be taken to a website that is not governed by TWFG and this Privacy Policy. Please refer to the third-party’s privacy policies carefully as the terms likely differ. TWFG is not responsible for third-party sites.

The app is not intended for children’s use. We do not market products or services to children under 13 years of age, nor do we knowingly collect information from them.

Please see the TWFG Terms of Use for further notices and responsibilities that come with using our app.

Email and Text Choices

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We respect your privacy and are committed to protecting your personal information. Use of Information: We use your phone number to send SMS messages regarding your inquiry and customer care related topics Phone number information or opt-in data collected for SMS communications will not be shared, sold, or disclosed to any third parties or affiliates for marketing, or promotional purposes.

SMS opt-in and phone numbers collected for SMS communication purposes will not be shared with any third party and affiliates for marketing purposes

Your Rights to Access and Amend Your Personal Information

You have the right to request access to the personal information that is maintained about you to ensure that it is accurate. You can also request corrections or deletions of any personal information in our possession.

Submit a request in writing to:

The Woodlands Financial Group, Office of the General Counsel

10055 Grogans Mill Road, Suite 500

The Woodlands, Texas 77380.

The request must include your name; address; telephone number; the specific personal information at issue; the identity of the document or record that contains the disputed personal information; and the desired correction, amendment or deletion (along with any appropriate supporting documentation).

We will notify you within 30 business days after receipt of your request with all required information to notify you either that we have made the requested correction, amendment or deletion or that we will not do so and the reasons for the decision not to do so.

How can you contact us?

If you have questions about this Privacy Policy or would like to make a request, you may contact us at:

The Woodlands Financial Group, Office of the General Counsel

10055 Grogans Mill Road, Suite 500

The Woodlands, Texas 77380

or email legal@TWFG.com. Please include your name, address, email address, telephone number, and the nature or your request.

For Residents of California, Colorado, Connecticut, Utah, or Virginia

Under certain state law you are entitled to certain rights regarding your personal information. Below we have summarized your rights and how we adhere to these laws. For more detailed information regarding our practices, refer to the previous sections detailing our collection, use, and sharing practices of personal information.

You have a right to know what personal information we collect about you, how we use the information, and how we share it.

The only information we collect is what you provide to us or what you consent to us collecting. We do not use cookies or tracking software. We only collect personal information to provide you with goods and services. We do not sell your personal information. Your information is shared with only those who need it to do their jobs, provide you with goods or services, or as required by law. This includes our affiliated companies and third-parties. Contact TWFG or your agent to request the specific categories of your personal information we have collected, the pieces of information collected, the sources of collection, the purposes for which we use the information, the categories of third-parties that we share and disclose information with. We will make reasonable efforts to complete your request. This information will be provided to you for the 12-month period preceding your request, free of charge. You may request this information up to twice per 12-month period.

You have the right to have your personal information deleted, with some exceptions.

You can request that both we and our service providers delete your information. Your request may be denied if, for instance, we cannot verify your request, your information is needed to provide you with our products or services, for security practices, or to comply with legal obligations, or if personal information is certain medical information. Contact TWFG or your agent to request that your personal information be deleted. We will make reasonable efforts to complete your request. Should your request be denied, you can follow-up with TWFG to obtain the reason for denial.

You have the right to opt-out of the sale of your personal information.

We do not sell any personal information that has been collected. Therefore, you do not need to opt-out of information sales.

You have the right to non-discrimination for exercising your rights.

TWFG acknowledges and respects the privacy rights of all our customers. We care about your privacy and protecting your personal information. Most of the rights prescribed by state laws are integrated into our Privacy Policy, and we will not make you waive your privacy rights.

Changes to our Privacy Policy

We may periodically update or change this Privacy Policy. This Privacy Policy was last updated on February 5, 2025.

This Privacy Policy pertains to TWFG’s protection of your personal information. For questions regarding your insurance policy/coverage or changes to your name/address, please contact your agent.

Terms & Conditions

1. SMS Consent Communication

The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

2. Types of SMS Communications

If you have consented to receive text messages from TWFG, you may receive messages related to the following:

  • Appointment reminders
  • Follow-up messages
  • Billing inquiries
  • Promotions or offers (if applicable)

Example: “Hello, this is a friendly reminder of your upcoming appointment with TWFG at the local office on Tuesday at 10am. You can reply STOP to opt out of SMS messaging from TWFG at any time.”

3. Message Frequency

Message frequency may vary depending on the type of communication. For example, you may receive up to 4 SMS messages per week related to your appointments, billing, etc.

Example: “Message frequency may vary. You may receive up to 4 SMS messages per week regarding your appointments or account status.”

4. Potential Fees for SMS Messaging

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

5. Opt-In Method

You may opt-in to receive SMS messages from TWFG in the following ways:

  • Verbally, during a conversation
  • By submitting an online form

6. Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

7. Help

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at https://twfg.com/.

Additional Options

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

8. Standard Messaging Disclosures

  • Message and data rates may apply.
  • You can opt out at any time by texting “STOP.”
  • For assistance, text “HELP” or visit our
    Privacy Policy and
    Terms and Conditions pages.
  • Message frequency may vary.