Coverage That Cares. Expertise You Can Trust.

Independent Texas insurance agent specializing in life, home, auto, and business protection. Personalized plans, not cookie-cutter coverage.

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Insurance Solutions for

Texans Who Want to Be Prepared

Home & Property Insurance

Protect your home, belongings, and peace of mind with reliable coverage tailored to Texas homeowners and renters.

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Life Insurance & Family Planning

Life insurance options to protect loved ones and provide financial security, stability, and peace of mind for every stage.

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Auto Insurance Bundles

Save money and time with car insurance bundles that protect you whether you’re commuting, cruising, or simply parked.

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Business & Liability Coverage

Flexible business coverage for Texas entrepreneurs protecting property, liability, and everyday operational risks.

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Umbrella & Specialty Insurance

Protect high-value assets and events with extra coverage that goes beyond what standard insurance policies typically offer.

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Annuities

Guaranteed income solutions for retirement planning, helping Texans grow savings and secure long-term financial stability.

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“Insurance should feel like a safety net, not a gamble. I’m here to make sure you’re protected with confidence and clarity.” – Karen Ray

Why Choose Me

You Deserve an Agent Who Knows Your Name

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Local and independent – no 1-800 number runaround

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Customized coverage that fits your life

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Honest advice from someone who cares

When it comes to protecting what matters most, you need more than just a policy you need a partner. As a trusted insurance advisor and independent insurance agent in Texas, I offer personalized insurance solutions tailored to your real life not a corporate script.

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Let’s Build Your Custom Coverage Plan

Personalized Insurance Starts with a Simple Conversation

Whether you’re ready to get a quote or just have a quick question, I’m here to help. As your local Texas insurance advisor, I make it easy to get the right protection without the hassle. Let’s talk about what matters to you—and build a plan that truly fits.

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Meet The Team

A Team Of Amazing People

Karen Ray

Founder - Owner

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Jacob Schulz-Behrend

Producer and Co-Owner

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Megan Marshall

Producer

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Brandy Young

Office Manager and Producer

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Julia Godunov

Producer

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Who I Help

Insurance for Real Life

Whether you’re raising a family, running a business, or planning for the future – I’ve got your back.

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Homeowners / Renters

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Small business owners

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Life Insurance

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Auto Insurance

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Recreational & Specialty Vehicles

I cannot say enough great things! From the moment I reached out for a quote, everyone was so attentive, knowledgeable, and genuinely focused on helping me find the best coverage for my needs — without any pressure or confusing jargon.

Aleese Jarvis

I recently made the switch to the Karen Ray Agency with Farmers Insurance, and I couldn’t be more pleased with the experience. Karen’s communication is fast, clear, and always accurate but what really stands out is how much she truly cares about her clients.

John Livigni

I had to make several changes to my homeowners and automobile insurance pertaining to a recent life event. Brandy was extremely patient and courteous. She assisted in helping us determine the right coverage at the best price. I’m extremely appreciative of all the help she gave and all the guidance she provided.

Arlene Sanchez

Its always a huge relief when you partner with a complete professional!!
Karen, is always ahead of me on task I need completed for my business insurance. One less thing I have to worry about. She is a Rockstar Agent! Highly recommend for a stress free experience!! If only I had 10 of her!

Kolby Wilson

Make Smarter Insurance Decisions

Insurance doesn’t have to be confusing. Below are some common questions Texans ask answered in plain English to help you feel confident about your coverage.

What does liability insurance actually cover?

Liability insurance helps protect you financially if you’re found legally responsible for someone else’s injury or property damage. In Texas, this could include auto accidents, slips and falls on your property, or business-related incidents. It’s essential for avoiding out-of-pocket legal costs.

How do I choose the right life insurance for my family?

It depends on your goals whether you want to cover debts, leave a legacy, or secure your children’s future.

I help Texas families compare term, whole life, and indexed universal life options to find affordable coverage that fits their budget and priorities.

Is bundling home and auto insurance really cheaper?

Yes most Texans save when they bundle home and auto insurance with the same provider. It also simplifies your coverage and claims process. I shop multiple carriers to find the best bundle for your needs.

Can small business owners in Texas get affordable liability coverage?

Absolutely. Whether you’re a contractor, consultant, or run a local shop, I can help you get affordable business insurance in Texas that covers your real risks—without paying for extras you don’t need.