We Are cross Roads TX's Most trusted Home, Auto, Life and business Insurance Agency
Families and business owners in Cross Roads, Texas trust Schell Insurance to protect what matters most. For nearly 100 years, we’ve helped Denton County residents safeguard their homes, vehicles, and livelihoods with personalized insurance coverage backed by real local experience and customer care.
Why Choose Schell?
Learn what a century of experience can mean for you
Nearly a Century of Experience
Since 1930, AR Schell & Son Agency has proudly served North Texas families and businesses. Our roots run deep across Denton County, giving us an unmatched understanding of the local risks that come with life in communities like Cross Roads—where growth, open spaces, and family living meet.
Personalized Coverage
Every client’s story is different, and your coverage should reflect that. Whether you’re insuring a new home in Oak Hill Ranch, protecting your vehicles along Highway 380, or covering your business near Fishtrap Road, we build insurance plans that fit your needs—not one-size-fits-all policies.
Local Service You Can Count On
As one of Denton County’s most established independent insurance agencies, we deliver personal, responsive service you can trust. When you call Schell Insurance, you reach a real local advisor who knows the area and takes the time to understand your priorities.
Insurance Solutions
No matter what you need, we have you covered. Learn more about the types of insurance products we provide
Business Insurance
Shield your business from the unexpected with tailored coverage that fits your operation. From general liability and property protection to commercial auto and workers’ compensation, our business insurance helps Cross Roads entrepreneurs thrive securely.
Auto insurance
Whether you’re driving down Highway 380, heading to Denton, or commuting into Frisco, our auto insurance gives you the protection you need. We offer coverage for accidents, damage, theft, and more—with plans customized to your lifestyle.
Homeowners Insurance
Your home is your most important investment, and we’ll make sure it’s covered. Our homeowners insurance protects your property, belongings, and liability—so you can enjoy the comfort of your home in Cross Roads without worry.
Life Insurance
Ensure long-term financial stability for your loved ones with flexible life insurance plans. We’ll help you choose the right policy to fit your goals and budget so your family stays protected, no matter what happens.
Renter's Insurance
Even if you rent your home, you still need coverage. Our renters insurance policies protect your personal property, liability, and living expenses in case of loss or damage—perfect for renters in Denton County communities like Cross Roads.
Motorcycle Insurance
Experience North Texas roads with confidence. Our motorcycle coverage includes liability, collision, and comprehensive protection, giving riders complete peace of mind across every mile.
testimonials
Check Out what our clients say about us
Learn About the Schell Difference
At Schell Insurance, we believe experience matters. With nearly a century of service, our family-owned agency continues to earn the trust of Texans through honesty, reliability, and personalized attention that big national carriers simply can’t match.
About Cross Roads TX
Cross Roads, Texas, is one of Denton County’s fastest-growing communities, known for its blend of country charm and convenient access to major highways and nearby cities. Located along U.S. Highway 380 between Denton and Little Elm, Cross Roads offers the perfect mix of rural living and suburban comfort. Residents enjoy close proximity to Lake Lewisville, local restaurants, and family-friendly shopping centers like The Village at Cross Roads and The Shops at 380. With its mix of acreage properties, new subdivisions, and small businesses, it’s an ideal setting for families seeking space and community.
As one of Denton County’s most experienced insurance agencies, AR Schell & Son Agency has proudly served Cross Roads families and businesses for generations. Whether you’re looking for home insurance near Navo Road, business coverage for a growing retail space, or auto protection for daily commutes, we design policies around your lifestyle. With local insight and nearly a century of reliability, Schell Insurance provides the trusted coverage North Texans count on every day.
Get in Touch
Ready to protect what matters most? AR Schell & Son Agency has been serving Denton County families and businesses since 1930. Call us today at 972-423-4546 or visit our office to speak with a local insurance expert and find coverage tailored to your needs.
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Get an Insurance Quote Today
Protect what you've built with coverage you can trust. Get a personalized insurance quote from AR Schell & Son Agency today and see how simple it is to safeguard your life.
Protect what matters most with Schell Insurance, where nearly 100 years of expertise and a commitment to personalized service make all the difference. Contact us today to start building a lasting relationship with our trusted team.
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