Branch Owner

Steve Garner

Branch Owner and Agent

  • 281-524-2792

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I was born in Houston, and now I live in the Spring Trails neighborhood in Spring, Texas. In 2003, I married Jen who is now a teacher in Conroe ISD. We have two teenage daughters, one that is active in the Athletic Training program At Grand Oaks High School, and one that dances at Cutting Edge Performing Arts. I attended Klein Forest High School, got my Bachelors from Sam Houston State University, taught English at Cypress Creek High school, and  taught English at Klein Forest High School before moving into the world of insurance.

My dad started Garner Insurance Services, an Allstate agency, in 2003, and the week after the school year ended, I went to work for him. Over the next seven years and nine months, I sold almost every kind of insurance there is, provided customer service for all clients, and handled any claims that came in. I was there for our clients through hurricanes, floods, hail storms, and freezes.

When the time came to either take over or move on, I decided to start my own TWFG insurance agency in 2021. I still write with Allstate, but now I can also write with a large amount of other carriers. I knew this was a better direction for me because I would lose clients to these other companies, and as the clients left, I heard the same statement from them all, “I love having you as an agent, and I wish I could stay with you, but Allstate’s price has gotten too high!” Now, I can be proactive about making sure my customers always have the best level of coverage without them having to worry about the cost.

My focus is on advising clients on what insurance products are available, addressing needs, finding gaps where they might be missing coverage, and getting clients properly covered at the best possible price. Being able to write with multiple carriers allows me the freedom to seek out the best products for my clients, and to continue making sure those policies are the correct fit.

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.


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