About Us

What Can You Expect

Living in Harmony is easier said than done, especially in a world filled with conflict, catastrophes, and differing opinions. It doesn't matter whether it's Home Insurance, Auto Insurance, Business Insurance or Life Insurance, our operational philosophy is built on honesty and truth.

Our Goal is to provide you with the information you need to make the right decisions for your insurance needs. Once you've made a decision our job then is to find an insurance company that can do what you want.

Whatever the risk you may face, from accidents to theft, we have the right coverage to protect you from life's unexpected challenges.

Understanding "Must Haves" vs "Wants"

There's usually two reasons people purchase Home and Auto Insurance. They want to protect what's most important to them or they just want to keep their creditor happy.

No matter what your reason is, we can get the right policy, to cover what you have to cover or what you want to cover! As your Harmony agent our duty is to find out what you want, and then get it for you.

The End Results

We achieve insurance Harmony by partnering the right insurance company products and services with your wants and needs.

Bundling Home Insurance and Auto Insurance with the same carier often can create cost synergies that can lower your rates on both.

Total Harmony is achieved when you're happy with the coverage and the price.

Our Team

Ray Settles

Ray bought his first insurance policy in 1978. Having worked for the Nations largest insurance company, he certainly knows what it takes to get you the best deal. His resume covers 9 states, a 1/2 dozen fortune 500 companies, 4 daughters and 5 grandchildren, he knows a bit about life's curve balls and how to hit em. Ray is licensed in Arkansas, Texas & Louisiana

Elizabeth Martinelli

Elizabeth has more than a decade of experience working in the insurance industry. She understands how to drive unnecessary cost from insurance policies. Her tenacious ability to cut through the clutter puts her in high demand with cost conscious consumers and business owners. Her and her husband Ron have 3 children and 5 grandchildren.

Melissa Johnson

Melissa is a native Texan that understands the Farm and Ranch Industry. Her insurance career has focused on farm and ranch insurance giving her insight to the true Do’s and Don’ts of the farming industry. She is best equipped to assist those looking to insure their farms and ranches. She is the mother of 2, and has 1 grandson.

Madelyn Coulter

Madelyn attended BYU in Provo Utah focusing her studies on public relations. She is a native Texan coming from a long line of Texans. She has a great sense of humor and enjoys helping people find the insurance coverage they want. She’s often the bright spot of your day. She married to her childhood sweetheart.

Christine Settles

Christine is the second oldest of 9 children and she understands better than most how best to stretch a little to cover a lot. Her focus is generally in the area of Workers Comp and business insurance. Business continuity and succession planning are her forte. She spends a great deal of time working with youth, has 4 children, and 5 grandchildren.

Contact Us

Contact Us Now For Your Free Insurance Review

Harmony Insurance Advisors & Agents

210 s walcott, Jefferson, TX 75657, US

Jefferson 903-665-8722


Monday - Friday: 8am - 5pm

Saturday & Sunday: By Appointment