Karen Ehlers Insurance Agency

Karen Ehlers Insurance Agency We are an independent agency representing over 80 companies. We are able to shop your insurance needs and make sure your getting the best value for your money.

In turn, I can usually save you money and also time. My name is Karen Ehlers-Harwell. I’m a graduate of Montgomery High School and have lived in Montgomery Texas since 1986. I graduated from Northwood University with a degree in business where I played golf for 4 years. I’m married to Roy David Harwell, a teacher/coach with Klein Oak High School. I have a dog named Rascal, who I consider to be my

son along with 3 nephews and 1 niece whom I adore. I come from a family of insurance professionals. My father is a State Farm agent for 35 plus years, my brother is a Farmers agent with 10 plus years, and my uncle is a retired State Farm adjuster with over 40 years in the business. My mother and sister in law Tina also work in their husbands agency's. I have worked for both State Farm during the summers away at college and was hired as an agency producer for 5 plus years with my brothers Farmers agency. I have gained knowledge and experience working for both companies. Unfortunately for them, they have one set of underwriting guidelines and one rate where I have many different companies so I can shop and find the best value for the money.

Sending Your Student Off to College? Make Sure Their Vehicle Is Ready for the JourneySending your child off to college i...
08/04/2026

Sending Your Student Off to College? Make Sure Their Vehicle Is Ready for the Journey

Sending your child off to college is an exciting milestone. Whether they're headed a few hours away or across the state, one thing every parent wants is peace of mind knowing their student has a reliable and safe vehicle.

Before they pack the trunk and head to campus, take a little time to give their vehicle a thorough checkup. A little preventative maintenance now can help avoid expensive repairs—and stressful phone calls—later.

1. Check the Battery
There's nothing worse than walking out of class only to discover your car won't start.

Most car batteries last 3 to 5 years, depending on the climate and driving habits. In Texas, our extreme summer heat can shorten a battery's lifespan.

Before your student leaves:

Check the battery's age.
Have it tested if it's over 3 years old.
Replace it if it's showing signs of weakness.
A battery test is quick and is often offered free at many auto parts stores.

2. Replace Windshield Wipers
Clear visibility is essential during heavy rain, especially if your student is driving in unfamiliar areas.

Windshield wipers should generally be replaced every 6 to 12 months, or sooner if they:

Leave streaks
Skip across the windshield
Squeak or chatter
Have cracked or torn rubber
Don't forget to top off the windshield washer fluid, too.

3. Inspect the Tires
Your student's tires are one of the most important safety features on their vehicle.

Before they leave, check:

Tire tread for excessive wear or balding.
Tire pressure (including the spare tire).
That the tires have been rotated within the last 5,000 to 7,500 miles.
Look for cracks, bulges, or nails.
Properly inflated and maintained tires improve braking, handling, fuel economy, and reduce the risk of a blowout.

4. Change the Oil (If It's Due)
If an oil change is coming up soon, have it done before move-in day.

Fresh oil helps protect the engine and can prevent unnecessary wear during long highway drives.

It's also a good idea to show your student how to check the oil level between services.

5. Check All Fluids
Make sure these fluids are at the proper levels:

Engine oil
Coolant
Brake fluid
Transmission fluid (if applicable)
Power steering fluid
Windshield washer fluid
Low fluid levels can lead to costly repairs if ignored.

6. Test the Lights
Have someone walk around the vehicle while the lights are turned on.

Check:

Headlights
High beams
Brake lights
Reverse lights
Turn signals
Hazard lights
A burned-out bulb is an inexpensive fix that can improve visibility and help avoid traffic citations.

7. Make Sure the Brakes Are in Good Shape
Listen for:

Squealing
Grinding
Vibrations when braking
If the brakes don't feel right, have them inspected before your student leaves home.

8. Verify Emergency Supplies
Every college student's vehicle should have an emergency kit that includes:

Jumper cables or a portable jump starter
Tire pressure gauge
Flashlight with extra batteries
First-aid kit
Phone charging cable
Blanket
Bottled water
Basic tool kit
Reflective warning triangles or flares
These items can make a stressful situation much easier to handle.

9. Teach Them What Warning Lights Mean
Take a few minutes to explain the dashboard warning lights.

Your student should know not to ignore:

Check Engine Light
Oil Pressure Warning
Battery Warning
Temperature Warning
Tire Pressure Monitoring System (TPMS)
Ignoring these warnings can turn a small issue into a major repair.

10. Review Their Insurance Coverage
Before they head to school, review their auto insurance policy.

Make sure they know:

What to do if they're involved in an accident.
How to report a claim.
Where to find their insurance ID card (paper or digital).
Whether they have roadside assistance coverage.
Who to call if they need help.
It's also a great time to update your agent if your student will be living away at college, especially if they'll be taking a vehicle with them.

11. Save Important Contacts
Have your student save these numbers in their phone:

Mom and Dad
Your insurance agency
Roadside assistance
Trusted mechanic
Emergency contacts
When something unexpected happens, having those numbers handy can save valuable time.

12. Remind Them to Perform Monthly Checks
Encourage your student to spend just five minutes each month checking:

Tire pressure
Windshield washer fluid
Oil level
Dashboard warning lights
Exterior lights
These simple habits can help prevent larger problems down the road.

Safe Travels Start Before the First Day of Class
Sending your student off to college is a proud moment, but it also comes with new responsibilities. Taking a little time now to make sure their vehicle is safe and reliable can provide peace of mind for both you and your student.

If you have questions about your family's auto insurance or want to review your coverage before your student heads off to college, we're here to help. Give Karen Ehlers Insurance Agency a call 936-828-2503 —we'd be happy to make sure your family is protected every mile of the journey.

P.S IF this is something you found helpful please like and comment below.

05/14/2026

After a home insurance claim, choosing the right contractor can make a huge difference in how smoothly the repairs go and whether the work is done correctly. Here are some of the biggest things to look for and watch out for:
Look for a Contractor with Experience With Insurance Claims
A contractor familiar with claims work understands:
• Insurance estimates
• Supplements
• Scope of repairs
• Depreciation and recoverable depreciation
• Documentation/photos needed
They tend to communicate better with adjusters and help avoid delays.
Get Multiple Estimates
Try to get at least 2–3 estimates. Compare:
• Scope of work
• Materials being used
• Timeline
• Warranty
• Payment schedule
• Are they insured should something go wrong. Ask them to provide a certificate of insurance and call the carrier to confirm the policy is still in force.
The cheapest bid is not always the best. Extremely low estimates can mean shortcuts or future change orders.
Read Reviews Carefully
Look at:
• Google reviews
• Facebook community pages
• Neighborhood groups (Nextdoor)
Pay attention to:
• Communication issues
• Missed deadlines
• Warranty problems
• Complaints about surprise charges
Consistent patterns matter more than one bad review.
Never Pay Large Amounts Up Front
Typical red flags:
• Demanding full payment before work starts
• Cash-only requests
• High-pressure tactics
A normal structure is:
• Small deposit
• Progress/Draw payment schedule
• Final payment after completion
Be Careful With “Storm Chasers”
After large storms, out-of-town contractors often appear quickly. Some are legitimate, but warning signs include:
• Door-to-door pressure
• “We’ll waive your deductible”
• No local office
• No references
• Asking you to sign immediately
In Texas, offering to absorb or waive deductibles is illegal insurance fraud.
Read the Contract Thoroughly
The contract should clearly include:
• Detailed scope of work
• Materials/specifications
• Timeline
• Payment schedule
• Permit responsibility
• Change order process
• Cleanup expectations
Avoid vague contracts with little detail.
Ask Who Will Actually Be Doing the Work
Some companies sell the job and subcontract everything out. Ask:
• Who supervises the project?
• Are crews employees or subs?
• Who is my point of contact?
Do Not Sign Over Insurance Checks Blindly
Avoid signing:
• “Assignment of Benefits” agreements unless you fully understand them
• Open-ended contracts allowing unlimited supplements
Maintain control of claim funds when possible.
Document Everything
Keep:
• Photos before/during/after
• Emails/texts
• Receipts
• Contracts
• Change orders
This protects you if disputes arise.
Questions Worth Asking
• How long have you been in business?
• Do you specialize in insurance restoration?
• Can you provide recent references?
• Who handles supplements with insurance?
• What happens if hidden damage is found?
• What is your estimated timeline?
• Are you using subcontractors?
• What warranty do you provide?
Major Red Flags
Avoid contractors who:
• Pressure you to sign immediately
• Ask for full payment up front
• Cannot provide insurance
• Have no physical business address
• Want to “work around insurance”
• Offer to waive deductibles
• Refuse written contracts
• Have lots of unresolved complaints

We are proud to congratulate the 2026 recipients of the Glenn Ehlers Memorial Scholarship!This year’s outstanding winner...
05/01/2026

We are proud to congratulate the 2026 recipients of the Glenn Ehlers Memorial Scholarship!

This year’s outstanding winners are:
🎓 Sage Arnsworth of Conroe
🎓 Kellen McClanahan of Lake Creek
🎓 Isaiah Mendoza of Montgomery

Each of these students has demonstrated hard work, dedication, and a commitment to their future. We are honored to recognize their achievements and support them as they take the next steps in their educational journey.

Please join us in celebrating these incredible young individuals and wishing them continued success!

To learn more about the scholarship and its mission, visit:

This scholarship aims to honor the memory of Glenn Ehlers by supporting students who are preparing to finish high school and begin their collegiate studies.

Address

103 Commercial Circle Suite 101
Conroe, TX
77304

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+19368282503

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