Herring Insurance Agency

What Herring Insurance Agency does

Herring Insurance Agency is a privately held, family-owned insurance agency founded in 1977 by the Herring family in Breckenridge, Texas. The firm operates as a branch/agent of Germania Farm Mutual Insurance Association, the largest farm mutual insurer in Texas (founded 1896), and generates revenue through commissions on personal, commercial, and rural insurance policies underwritten by Germania. Mr. Herring serves on Germania's Board of Directors, providing direct governance-level alignment with the carrier partner. The agency employs 1-10 staff at a single office at 1511 West Walker Street, Breckenridge, and operates traditional business hours with a 24/7 claims line.

The agency's product portfolio spans Home & Renters (including rural homes, barndominiums, ranchettes, condos, flood), Personal Auto and Recreational Vehicles, Boat, Term and Whole Life insurance, Personal and Umbrella Liability, Farm & Ranch (farm equipment, rural property, livestock), Commercial lines (Business Auto, General Liability, Business Owner Policy, Workers Compensation, Management/Professional Liability, Commercial Property, Data Breach, Home-Based Business, Commercial Flood), and Church & Organization coverage. The core differentiator is specialization in rural property and agricultural risks that mainstream insurers often decline, including ranchettes of 2-40 acres, farm equipment, livestock, and barndominiums.

Go-to-market is overwhelmingly direct: a prominently displayed phone number ((254) 559-9411), a website contact form, and Google reviews constitute the primary channels. There is no app, no API, no digital self-service quote engine, and no indication of paid digital acquisition. The business model is commission-based on recurring (typically annual) policies, with pricing fully quote-driven and not publicly disclosed. All product information on the website directs prospects to call or submit a contact form, reflecting a relationship-led, high-touch service model rather than a transactional or tech-enabled one.

Name

Herring Insurance Agency

Legal name

Herring Insurance Agency

Website

https://www.herringinsuranceagency.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

1–10 employees

Short description

Herring Insurance Agency is a family-owned Texas insurance agency, founded in 1977 in Breckenridge, operating as a branch of Germania Farm Mutual Insurance Association and serving rural property owners, farmers, ranchers, and small businesses across Texas with farm, home, auto, life, and commercial insurance products on a commission basis.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Inland Marine / Personal Articles & Valuable Items Insurance (FSAJACAJ)

akta.pro secondary industries

Marine & Aviation Insurance (FSAJAMAI), Real Estate / Lessors Risk BOP (FSAJAFAI), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)

Keywords

• Farm and ranch insurance
• Rural property coverage
• Home and auto insurance
• Commercial liability policies
• Life insurance coverage

Headquarters

HQ city

Breckenridge

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Agency Commissions: Herring Insurance Agency operates as a branch/agent of Germania Farm Mutual Insurance Association, earning commissions on insurance policies sold. The agency offers personalized policies for personal and commercial needs including home, renters, auto, life, farm, ranch, liability, and commercial insurance products. Revenue is generated through insurance premiums collected by Germania, with the agency receiving a share as commissioned agents.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Herring Insurance Agency is a Texas-based independent insurance agency operating as a branch/agent of Germania Farm Mutual Insurance Association. The agency sells personalized personal and commercial insurance policies covering home, renters, auto, recreational vehicle, boat, term and whole life, farm, ranch, umbrella and personal liability, commercial (business auto, workers comp, data breach, commercial property), and church/organization insurance. Customers contact the agency by phone or website form to obtain customized quotes.

Product overview

Herring Insurance Agency offers a comprehensive portfolio of insurance products designed for personal, rural, and commercial clients in Texas. The agency operates as a unified offering centered on personalized policies through Germania Farm Mutual Insurance Association, with specialized product lines covering Home & Renters, Auto, Life, Farm & Ranch, Liability, Commercial, Boat, and Church & Organization insurance. The product portfolio emphasizes rural property expertise (including farm equipment, ranchettes, barndominiums, and flood coverage) and includes both term and whole life options, personal and commercial liability coverage, and specialized business protection including workers compensation, data breach coverage, and home-based business policies.

Differentiator

Problem solved

Functional benefit

Products and services

• Home & Renters Insurance Comprehensive coverage protecting homes, renters' belongings, tenant-occupied properties, rural homes, condos, townhouses, ranchettes, barndominiums, and flood damage for residential property owners in Texas.
• Term Life Insurance Time-limited life coverage at affordable premiums, ideal for debt or mortgage protection during specific periods.
• Whole Life Insurance Permanent life coverage available from birth to age 85, accumulating annual cash value over time.
• Personal Auto Insurance Vehicle coverage protecting against accidents, collisions, and liability when driving or being hit by other drivers.
• Recreational Vehicle Insurance Coverage for recreational vehicles, motor homes, travel trailers, and horse trailers.
• Umbrella Liability Insurance Supplemental liability layer providing extra protection beyond personal or farm liability insurance limits.
• Personal Liability Insurance Coverage protecting individuals with children, pets, boats, watercraft, or rental properties from unexpected incidents and third-party claims.
• Boat Insurance Protection for boats, motors, and trailers covering mechanical breakdowns, towing on water, and exploration of US lakes.
• Farm & Ranch Insurance Specialized coverage for farm equipment, rural property, agricultural operations, ranchettes, livestock, and farm machinery.
• Business Auto Insurance Personalized Business Auto Policy tailored to specific business vehicle coverage needs.
• Commercial Liability Insurance General Liability Insurance coverage protecting business assets from third-party claims and bodily injury.
• Business Owner Insurance Comprehensive coverage combining multiple business protection elements for business owners.
• Workers Compensation Insurance Protection for both employees and businesses covering workplace injuries and related costs.
• Management & Professional Insurance Policies designed for non-profit, private, and public companies covering management and professional liabilities.
• Commercial Property Insurance Coverage for commercial buildings, outdoor signage, furniture, equipment, inventory, and other business assets.
• Data Breach Insurance Protection against risks for businesses maintaining customer sensitive information records.
• Home-Based Business Insurance Commercial coverage for home-based businesses addressing gaps in standard home insurance policies.
• Commercial Flood Insurance Mandatory or recommended flood coverage for high-risk commercial areas, addressing floodplain and general flood risk.
• Church & Organization Insurance Protection for churches and organizational property.

Quantifiable outcome

• Germania Insurance founded in 1896 with 31 founders

Named customers1 record

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Germania Farm Mutual Insurance AssociationcoreChannel Partner/ Reseller/ DistributorHerring Insurance Agency is a proud agent/branch of Germania Insurance. Germania Farm Mutual Insurance Association was founded in 1896 in Texas by 31 founders to provide protection for farm property. It is the largest farm mutual insurance company in Texas, trusted by many generations. Mr. Herring serves on the board of Directors for Germania. Herring Insurance has been representing Germania since 1977, offering personalized policies covering all personal and commercial insurance needs for rural property owners.

Scale indicators2 records

Recent moves5 records

Direct peers

• Germania Farm Mutual Insurance Association: Parent carrier and exclusive distribution partner of Herring Insurance Agency. The largest farm mutual insurance company in Texas (founded 1896), Germania underwrites the home, farm, auto, commercial, and specialty lines that Herring distributes, making it the most directly comparable company.
• Texas Farm Bureau Insurance: Captive farm mutual distribution system serving rural Texas with home, auto, farm, and life insurance through exclusive agents. Operates in the same rural Texas customer base as Herring with a comparable carrier-backed agency model and similar geographic concentration.
• COUNTRY Financial: Midwest-rooted insurance and financial services group with strong farm/ranch and rural household focus, distributed through captive agents. Highly comparable to Herring in target customer (rural/agricultural owners) and multi-line personal + farm product mix.
• Shelter Insurance: Regional mutual carrier with strong rural and small-town distribution across the central U.S., offering auto, home, farm, and life through captive agents. Comparable to Herring in customer profile (rural property owners), product breadth, and exclusive-agent go-to-market motion.
• Auto-Owners Insurance: Mid-sized mutual insurer that distributes exclusively through independent agents across P&C lines including farm, home, auto, and commercial. Highly comparable operating model to Herring — multi-line mutual carrier selling through localized agent relationships.
• Erie Insurance: Regional mutual P&C carrier distributing through captive agents in the eastern U.S. with personal, commercial, and life lines. Comparable to Herring in captive-agent distribution model, multi-line mutual structure, and emphasis on relationship-driven local service.
• Farm Bureau Financial Group: National federation of farm mutual insurance companies (including Texas Farm Bureau) selling P&C, life, and crop insurance through exclusive agents in rural America. Directly comparable to Herring in farm/rural customer focus and captive-agent delivery model.

Broad incumbents

• State Farm: Largest U.S. personal lines insurer distributing home, auto, life, and small commercial through captive agents nationwide. Competes with Herring for rural Texas households and small businesses but at vastly greater scale and with broader product/geographic footprint.
• Allstate: National P&C incumbent with extensive captive-agent distribution and growing direct channels. Overlaps with Herring in home, auto, and small commercial lines for rural Texas customers but operates at national scale with much broader product portfolio.
• Progressive: National P&C carrier with leading direct-to-consumer and agent-channel auto insurance plus home and commercial lines. Represents the digital-first competitive pressure facing Herring's personal auto book, particularly as rural customers become more price-sensitive online.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Herring-Insurance-Agency-199032900650517
• LinkedInlinkedin.com/company/herring-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Herring Insurance Agency