Meet the team

you can trust.

Our experienced insurance professionals are here to help you protect what matters most with personalized guidance, exceptional service, and coverage tailored to your life in Texas.

Meet the team

you can trust.

Our experienced insurance professionals are here to help you protect what matters most with personalized guidance, exceptional service, and coverage tailored to your life in Texas.

4.9★

1,200+

Families & Customers served

8 Years

Of Local Experience

Trusted By

Texas Families

Why work with us

Insurance is personal. So is our service.

We take the time to understand your life, then hand build coverage that fits and we're here every time it needs to change.

Personalized recommendation

Fast response times

Ongoing policy reviews

Local Texas expertise

Claims guidance

Friendly support

Licensed professionals, personally invested in your protection.

Agency Owner

Kenneth Zschappel

As a fifth-generation Texan and founder of Two Rivers Insurance Agency, Ken is passionate about helping families and businesses protect what matters most. Since opening the agency in 2018, he has earned multiple awards for his commitment to exceptional customer service and trusted insurance guidance.

A graduate of Baylor University, Ken enjoys spending time with his wife, Kerri, their three children, and exploring the community they proudly call home. He is dedicated to building lasting relationships and treating every client like family. Ken is committed to providing personalized insurance solutions with integrity, expertise, and genuine care.

Every policy we place is guided by a real person who knows your name, your family, and what you're protecting.

Becky Quijano

Licensed Sales Professional

Becky has proudly served the New Braunfels community since joining Allstate in 2014. With years of experience, she is passionate about helping individuals and families find the right insurance coverage with confidence. A lifelong New Braunfels resident, Becky and her husband, Jesse, have raised their four children in the community they proudly call home. Outside of work, she enjoys spending time with family, volunteering, attending church, cheering on the Dallas Cowboys, and deep-sea fishing. Becky is committed to providing friendly, personalized service and helping

protect what matters most.

Caroline Case

Licensed Agent

Caroline has been helping Texans protect what matters most since beginning her insurance career with Allstate in 2018 and joined the Two Rivers Insurance Agency team in 2024. As a third-generation Texan, she understands the unique insurance needs of families throughout the Hill Country. A graduate of The University of Texas at San Antonio (UTSA) with a degree in Sociology, Caroline is passionate about providing knowledgeable, personalized service. Outside of work, she enjoys spending time with her family, her dog Shady, hiking, gardening, and staying active.

Caroline is dedicated to making insurance simple and helping every client find coverage with confidence.

Tammy Valencia

Agent Customer Service

Tammy has been serving Allstate customers since 1993, bringing decades of insurance experience and exceptional customer care to every interaction. After moving to Texas over 20 years ago, she developed a deep understanding of the Texas Hill Country and the unique needs of the local community. Outside of work, Tammy enjoys spending time with her beloved cat, Sassy, camping, and making memories with her extended family.

Tammy is dedicated to providing friendly, reliable service and ensuring every customer feels supported and protected.

Abigail Zschappel

Creative Director

Abigail joined Two Rivers Insurance Agency in 2025, bringing a strong background in client service and communication after working as a legal assistant. As a proud sixth-generation Texan, she is passionate about serving her community with integrity, professionalism, and genuine care. A graduate of Texas State University with a degree in English, Abigail enjoys spending time with her cat, exploring Landa Park, and traveling with her family.

Abigail is committed to providing personalized guidance and helping every client find the coverage that best fits their needs.

Licensed professionals, personally invested in your protection.

Every policy we place is guided by a real person who knows your name, your family, and what you're protecting.

Kenneth Zschappel

As a fifth-generation Texan and founder of Two Rivers Insurance Agency, Ken is passionate about helping families and businesses protect what matters most. Since opening the agency in 2018,

he has earned multiple awards for his commitment to exceptional customer service and trusted insurance guidance.

A graduate of Baylor University,

Ken enjoys spending time

with his wife, Kerri, their

three children, and exploring the community they proudly call home.

He is dedicated to

building lasting relationships and

treating every client like family.

Ken is committed to providing personalized insurance solutions with integrity, expertise, and genuine care.

Agency Owner

Becky Quijano

Becky has proudly served the New Braunfels community since joining Allstate in 2014. With years of experience, she is passionate about helping individuals and families find the right insurance coverage with confidence.

A lifelong New Braunfels resident, Becky and her husband, Jesse, have raised their four children in the community they proudly call home. Outside of work, she enjoys spending time with family, volunteering, attending church, cheering on the Dallas Cowboys,

and deep-sea fishing.

Becky is committed to providing friendly, personalized service and helping protect

what matters most.

Licensed Sales Professional

Caroline Case

Caroline has been helping Texans protect what matters most since beginning her insurance career with Allstate in 2018 and joined the Two Rivers Insurance Agency team in 2024. As a third-generation Texan, she understands the unique insurance needs of families throughoutthe Hill Country.

A graduate of The University of Texas at San Antonio (UTSA) with a degree in Sociology, Caroline is passionate about providing knowledgeable, personalized service. Outside of work, she enjoys spending time with

her family, her dog Shady, hiking,

gardening, and staying active.

Caroline is dedicated to making insurance simple and helping every client find coverage with confidence.

Licensed Agent

Tammy Valencia

Tammy has been serving Allstate customers since 1993, bringing decades of insurance experience and exceptional customer care to every interaction. After moving to Texas over 20 years ago, she developed a deep understanding of the Texas Hill Country and the unique needs of the local community.

Outside of work, Tammy enjoys spending time with her beloved cat, Sassy, camping, and making memories with her extended family.

Tammy is dedicated to providing friendly, reliable service and ensuring every customer feels supported and protected.

Agent – Customer Service

Abigail Zschappel

Abigail joined Two Rivers Insurance Agency in 2025, bringing a strong background in client service and communication after working as a legal assistant. As a proud sixth-generation Texan, she is passionate about serving her community with integrity, professionalism, and genuine care.

A graduate of Texas State University with a degree in English, Abigail enjoys spending time with her cat, exploring Landa Park, and traveling with her family.

Abigail is committed to providing personalized guidance and helping every client find the coverage that best fits their needs.

Creative Director

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