Family Trust Insurance

we protect your legacy

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We protect more than your house

As a Personal Financial Representative in Wharton, I give my knowledge and understanding to the people in this community to help provide customers with an outstanding level of service. I look forward to helping families like yours to protect the things that are important – your family, home, car and more. I can also help you prepare a strategy to achieve your financial goals and build your legacy.

I’m proud to work with many companies that will allow me to offer not only the most competitive rate but what my client is specificity looking for their protection. Fact, most consumers will stay with their carrier, even if unhappy, than to shop because of fear of change in agents, or the hassle of having to shop. A stable, reputable Trusted Adviser that reaches out to families of American households to meet their needs – that’s my kind of agent.

As your Agent, I can help you understand how the choices you make – such as the car you drive – affect your insurance rate. I’m committed to helping you get your appropriate level of protection and make it easy to do business with Family Trust Insurance.

  • Affordable Prices
  •  24/7 Customer Support
  •  Competent Professionals

  • Suspended, Expired, SR-22, International, No Drivers License, & Texas ID Accepted

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Our Services

Browse our services below

Standard Home Insurance

Auto Insurance

You know you need auto insurance and we know how to insure you properly! Auto insurance helps provide coverage for your property, liability, and medical expenses that protects others, you, your passengers, your vehicle, and others property.

There are several options available for your limits of liability and deductibles, and at Family Trust Insurance, we take the time to explain your options and the coverage that you need. We represent a number of auto insurance companies with competitive rates, which is a benefit of choosing an Independent Agent.


Our commercial lines department can cover your business needs from landscaping companies to oilfield contracting. We currently cover a wide variety of commercial businesses from individual to corporate, from lawn maintenance to major manufacturing. Our specialty markets include, hotels/motels, churches, restaurants, schools, daycare's, contractors, truckers, and more.

  • Commercial Auto
  • General Liability
  • Business Property
  • Business Office Policy
  • Professional Insurance

Home Insurance

Your home is one of your largest investments. Family Trust Insurance, understands the importance of protecting your assets. We represent a number of homeowner markets and our personal lines team is trained to provide you with appropriate coverage and options.

In addition, we to take into account any valuable items or liability exposures you may have, such as rental homes, hobbies or business ventures, to assure coverage in those areas.

We also write insurance for:

  • Flood (flood insurance is not included on your homeowner policy)
  • Mobile homes
  • Tenant home
  • Renters insurance
  • Townhomes/condominiums
  • Dwelling
  • Wind
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Personal & Commercial Umbrella

An umbrella policy provides $1,000,000 to $5,000,000 of liability protection above the liability limits on your primary home and auto policies. This will provide coverage to protect you from any lawsuits and litigations along with protecting your legacy.

  • Commercial Umbrella

Whether it's required or preferred, we can provide commercial umbrella protection for your business. Our trained staff can provide information to assist you in making the best decision for umbrella coverage for your business. We have various markets for your particular business needs or requirements.


Whether you're enjoying a long summer time ride, or have your bike stored away for the winter, Family Trust Insurance can help protect you and your motorcycle. Our friendly Agent will answer your questions and explain all of your options.

We also write insurance for:

  • ATV
  • Boat
  • Recreational Vehicle
  • Jet Ski

Retirement Planning & Life Insurance

We often at times excuse life insurance and our need because the impression of cost, or to keep from having this specific conversation. However, if you look at the cost of your everyday expenses, education, debt, and funeral expenses, it can be a bit too much for your loved one to handle on their own. Here at Family Trust Insurance, we dedicate our time to review what you have an make sure you are not overly insured or under insured but properly covered; so you and your family can continue life without the worries of the unknown.
  • Term
  • Universal Life
  • Whole Life
  • Annuities

Vision/ Dental & More...

There are many ways you can protect yourself and your loved ones with health insurance but due to the economy it has left many with high deductibles to meet or possibly uninsured due to the affordability. Here at Family Trust Insurance, we dedicate our time to review what you have an how we can compliment what you have with options on how to enhance your protection. We also offer a way for affordability to be less of a concern with the options we carry.

  • Hospital Supplements
  • Disability
  • Long Term Care
  • Vision & Dental
  • Accidental Plans

What our Clients are saying

I was at the point of leaving my carrier but instead call Monica's office. Because of Monica and her exceptional customer service in helping me understand my policy and making sure I have the proper coverage I have decided to stay. This was by far the best decision I have made.

K. Siraj 

Monica is a great and honest person. As an agent She will provide excellent quality and professional service/ advice for anyone who seeks it!

Milton R.

A down to earth professional woman with integrity that has truly earned my business and loyalty. She listened well, and was able to anticipate all of what I needed. She saved me time and money. Respectable, Patient, Encouraging, and PROFESSIONAL!!! I'm sure she'll do the same for you.

Shawntell S.

I would recommend Family Trust Insurance in a heart beat! Monica will go above and beyond to make sure you're taken care of.

Melissa N.

Whenever I have a question or a concern, Monica Barcenas is always a phone call or text away! She’s extremely helpful and absolutely amazing when it comes to road incidents or just a simple inquiry about car insurance or any other forms of insurance. Highly recommend her lovely services! She’s the best. Support your local businesses!

Mo Williams

Great service ,awesome team great rates on insurance

Francisco B.

Great company! Very professional, very friendly, and answers any and all questions!

Lissa B.

Monica is the most kind and helpful insurance agent I have ever had, No matter the problems she was there immediately to fix the problem, answered every one of my calls and answered everyone of my questions without hesitation, I highly recommend her. She is so good at what she does, and when she moved out of our city I stayed with her.

Kenny F.

I don't know if Monica sells Insurance to 10 people hundreds of people or even thousands of people but I know that over the seven years that I've had her as my agent she's been there every single time and Friendly because let's face it if you're calling your cell phone company or your insurance agent you're not in a good mood

Shadrach L.

Always came through whenever I ever hit them up. Fast, easy, and will always try to find you the best price for whatever you need. I recommend them anytime I hear anyone needing insurance or complaining about their current provider.

Caleb G.