Branch Owner

Steve Garner

Branch Owner and Agent

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We're driven to keep you covered on the road. Our auto insurance policies are designed to cover your individual needs when it comes to you and your vehicle, as well as protect you from a variety of other unforeseen risks. No matter where you're headed, we want you to have the peace-of-mind for the journey ahead.

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Even your house needs a roof over its head. From structural protection to coverage for your valuables, we can find the right way to keep your home or apartment safe – both inside and out. Because the place you call home will always be your most important asset.

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The weather forecast may not always predict it, but tides do turn. And property that was once high and dry can suddenly find itself in deep trouble. That’s why we offer flood insurance which allows you to protect everything from your basement to your baseboards. Some locations prone to flooding are required by federal law to have flood insurance, which is not covered by homeowner’s policies. So, don’t be unprepared when drywall becomes wet.

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Ask any biker: motorcycles are as fun to ride as they are dangerous. That's why we offer comprehensive coverage for risks like injury, uninsured motorists and medical payments, no matter what you ride. Because in the event of an accident, you want to know someone will be there to get you back on that iron horse quickly and safely.

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Securing your family's financial future starts with insuring yours. It can feel like a daunting task, but we're here to make it a little less taxing. And while there are several insurance policies for accelerated death, critical illness, or even long-term care, it's important your coverage best suits you. After all, it's your life – but we'll be here to protect it.

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When the water gets a little choppy, you want to know someone will be there to smooth things over. That's why we offer boater coverage that is specific to your boat or watercraft, covering you for bodily injury, property damage, medical payments and collisions. Because, at the end of the day, we're all in the same boat – together.

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Business Owners Policy

For small to medium-sized businesses, finding the right coverage is a very big deal. That’s why we’re here to help. Business Owners Policy (BOP) typically provides basic coverage for your building, liabilities, inventory, equipment and any processes interruption, with the option for business-specific add-ons. You can’t control the future, but you can control how you plan for it.

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Like they say: It's good to be prepared for a rainy day. Personal Umbrella insurance offers additional coverage beyond homeowners', health and vehicle, protecting you from major claims and lawsuits, like libel, slander and defamation of character. So, if and when it rains, know that we'll be pouring every ounce of ourselves into protecting you.

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If you need to make a payment, this is the place!

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.

A Few Of Our Insurance Carrier Partners