Terms of Use
Please review these Terms of Use carefully before accessing or using the Two Rivers Insurance Agency website. These terms explain your rights, responsibilities, and the conditions governing your use of our website and services.
Terms of Use
Please review these Terms of Use carefully before accessing or using the Two Rivers Insurance Agency website. These terms explain your rights, responsibilities, and the conditions governing your use of our website and services.
Effective Date
July 25, 2026
I. Acceptance of Terms
By accessing or using the Two Rivers Insurance Agency website, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, please discontinue use of the website.
II. Informational Purposes Only
The information provided on this website is for general informational purposes only. It does not constitute insurance advice, a policy, a contract, or an offer of coverage. Any decisions regarding insurance products should be made after consulting directly with a licensed representative of Two Rivers Insurance Agency.
III. No Guarantee of Coverage or Quotes
Quotes, estimates, or product descriptions displayed on this website are not guarantees of coverage, eligibility, or final pricing. Coverage is subject to underwriting review, applicable state laws, and the terms of the issued policy.
IV. Accuracy of Information
While we make reasonable efforts to keep information accurate and current, Two Rivers Insurance Agency does not warrant that all content is complete, error-free, or up to date. Product details, availability, and pricing may change without notice.
V. User Responsibilities
By using this website, you agree to:
Provide accurate and truthful information when submitting forms or requests.
Use the website only for lawful purposes.
Refrain from attempting to disrupt, damage, or gain unauthorized access.
Respect the intellectual property rights of Two Rivers Insurance Agency.
VI. Intellectual Property
All content on this website including text, graphics, logos, images, and design is the property of Two Rivers Insurance Agency or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without prior written consent.
VII. Third-Party Links
This website may contain links to third-party sites for your convenience. Two Rivers Insurance Agency does not control and is not responsible for the content, policies, or practices of those websites. Accessing third-party links is at your own risk.
VIII. Communications
By submitting your contact information through this website, you consent to receive communications from Two Rivers Insurance Agency by phone, email, or text regarding your inquiry or insurance needs. You may opt out at any time by contacting us directly.
IX. No Warranties
This website is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted, secure, or free from errors, viruses, or other harmful components.
X. Limitation of Liability
To the fullest extent permitted by law, Two Rivers Insurance Agency shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of this website, even if advised of the
possibility of such damages.
XI. Indemnification
You agree to indemnify and hold harmless Two Rivers Insurance Agency, its officers, employees, and affiliates from any claims, damages, losses, or expenses arising out of your use of the website or your violation of these Terms of Use.
XII. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your information. Please review it carefully to understand our practices.
XIII. Website Availability
We reserve the right to modify, suspend, or discontinue any portion of this website at any time without prior notice. We are not liable for any interruption or unavailability of the website.
XIV. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any legal action related to these terms shall be brought in the courts of Texas.
XV. Changes to These Terms
Two Rivers Insurance Agency reserves the right to update or revise these Terms of Use at any time. Changes become effective upon posting to this page. Continued use of the website constitutes acceptance of the updated terms.
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Coverage tailored to your unique needs.
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Get In Touch With Us
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
