Privacy Policy
Your privacy matters to us. Learn how Two Rivers Insurance Agency collects, uses, protects, and safeguards your personal information when you use our website or insurance services.
Privacy Policy
Your privacy matters to us. Learn how Two Rivers Insurance Agency collects, uses, protects, and safeguards your personal information when you use our website or insurance services.
Effective Date
July 25, 2026
I. Information We Collect
Two Rivers Insurance Agency collects information you provide directly to us, information gathered automatically as you use our website, and information from third parties who help us deliver insurance services.
Contact details such as your name, mailing address, phone number, and email.
Insurance-related information including vehicle, property,
household, and coverage history.
Payment and billing information necessary to bind and service a policy.
Technical data such as IP address, browser type, device type, and pages visited.
II. How We Use Information
We use the information we collect to prepare quotes, service policies, communicate with you about coverage, and operate our website. Specifically, we may use your information to:
Provide quotes and place coverage with our carrier partners.
Service, renew, and update your active insurance policies.
Respond to questions, claims inquiries, and service requests.
Improve our website, communications, and customer experience.
III. Insurance Information
When you request a quote or bind a policy, we may share the information you provide with licensed insurance carriers and underwriters so they can evaluate risk, provide pricing, and issue policies. Carriers may also request driving records, prior insurance history, or property reports as permitted by law.
IV. Text & Phone Communications
By providing us with your phone number, you consent to receive calls and text messages from Two Rivers Insurance Agency regarding your quote, policy, billing, and service matters. Message and data rates may apply. You can reply STOP at any time to opt out of text messages.
V. Email Communications
We may send you emails related to your quote, policy, renewals, and service updates. From time to time we may also send informational or marketing messages. You can unsubscribe from marketing emails at any time using the link at the bottom of any email.
VI. Cookies
Our website uses cookies and similar technologies to remember your preferences, understand how the site is used, and improve performance. You can adjust cookie settings in your browser. Disabling cookies may limit some website features.
VII. Information Sharing
We do not sell your personal information.
We may share your information only in the following circumstances:
With licensed insurance carriers to obtain quotes and issue policies.
With service providers who assist in operating our website and agency.
As required by law, subpoena, or valid regulatory request.
To protect the rights, property, or safety of Two Rivers Insurance Agency and our clients.
VIII. Data Retention
We retain personal information for as long as necessary to provide our services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Retention periods vary based on the type of information
and applicable law.
IX. Privacy Rights
Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information, and to opt out of certain uses. Contact us using the information below to exercise these rights.
X. Texas Privacy Notice
As a Texas-licensed insurance agency, we comply with the privacy protections established by the Texas Insurance Code and applicable Texas law. Texas residents may request access to their nonpublic personal information held by our agency and may request corrections when appropriate.
XI. Children's Privacy
Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn we have collected such information, we will promptly delete it.
XII. Indemnification
You agree to indemnify and hold harmless Two Rivers Insurance Agency, its affiliates, employees, and agents from any claims, liabilities, damages, or expenses arising out of your use of the Site or your violation of these Terms.
XIII. Third-Party Websites
Our website may include links to carrier partners and other third-party websites. Their privacy practices are governed by their own policies. We encourage you to review those policies before providing
any personal information.
XIV. Policy Updates
We may update these Terms & Conditions from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
Trusted Guidance
Helping you make confident insurance decisions.
Personalized Service
Coverage tailored to your unique needs.
Honest Guidance
No pressure. Just personalized solutions.
BUSINESS HOURS
Monday - Thursday: 8:30 am - 5:30 pm
Friday: 9:00 am - 5:00 pm
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Copyright © 2026 Two Rivers Insurance Agency. All Rights Reserved.
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
