RST Group LLC is a family-owned independent insurance agency serving Ellis County, Texas and the surrounding communities.

Founded and operated by Terry and Shannon Cowan, we bring 17 years of combined experience helping families, homeowners, investors, and business owners protect what matters most.

As a local agency, we believe in building long-term relationships through honesty, transparency, and hands-on service. We shop multiple insurance carriers to find competitive pricing while making sure your coverage fits your needs — not a corporate quota.

Why Choose Us

• Family-owned and Texas‑rooted

• Competitive rates from multiple carriers

• Personalized, local customer service

• Fast response times

• Claims guidance when you need it most