CONROE, TX 77303




281-857-6359 Houston

214-764-0838 Dallas/Fort Worth

1-800-372-8060 Toll Free

Welcome to Southern Group Insurance Agency

At Southern Group, our family owned agency is proud to have been the resource that families have trusted since 1979, that your family can count on for the proper advice now and into the future. While our footprint has grown from a local Houston insurance agency to where we are today with clients from West Texas to North Texas to the Gulf Coast. Our clients and partners across the state still get the same attention as if they were in our backyard.

At Southern Group, our dedicated staff works with clients to ensure they get the coverage they want, not just a cookie cutter package that fails to address their real needs. Beyond our competitiveness in the general insurance market, we have developed specialties where our knowledge and expertise can really shine through.

Our Specialties

We have developed a number of carrier relationships to offer most Tier 1(14-Coastal Counties) residents Homeowner’s Insurance that include Windstorm coverage.  This typically results in much lower premiums than that of what most residents currently have which is a split policy between their Homeowner’s Insurance Carrier and their Windstorm Association. (i.e. Texas Windstorm Insurance Association – TWIA)

Getting the right coverage when you turn 65 is one of the most important decisions you can make.  Getting it wrong may cost you for the rest of your life.  We help guide seniors through the Medicare enrollment process as well as help them make changes along the way.  We advised them on their options, help them with a step by step guide to make the right decision.

With numerous areas going into newly mapped flood zones, you need the expertise we have to know what your options are.

For those whose net worth exceeds 5 Million, mainstream insurance companies often cannot adequately cover all the risks.  Mainstream carriers typically cannot provide the appropriate limits of coverage either; most limiting their umbrella(excess) limits at a maximum of 5M.  We uncover the myriad of mistakes common carriers and agents make that leave you wide open to paying for an uncovered loss.

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Meet Our Team

Ken KaltwasserOwner
Steven KaltwasserOwner
Karen GarrettAccount Manager
Alex GranadosAccount Manager
Meagan PerkinsAccount Manager
Monica Coronado SalinasAccount Manager
Nancy MorencoAccount Manager
Roberta ReyesAccount Manager
Sally GaminoAccount Manager
Yulissa CarrascoAccount Manager
Christina WilliamsAccount Manager
Jim HarrisAdministrative
Sabrina ContrerasAdministrative
Carly TurnerAdministrative
Shelia KaltwasserAdministrative

Ken Kaltwasser


Enjoys spending time with family golf and working with clients.