About Us.

Great policies & long-lasting partnerships.

Rivers Schara Insurance (aka, Old Man Rivers) has been serving Boerne, Texas and the surrounding area for over 25 years. We are proud to specialize in various lines of  commercial, agriculture and personal insurance.

Our goal is not only to offer great policies, but to create a long-lasting partnership with our clients that serves their best interest. Because of this, we focus on protecting their assets, lives and livelihoods to the best of our abilities. As a family-owned and operated business, you can trust us when we say you are family to us.

While the world can be uncertain, your coverage does not have to be. For any, and all of your insurance needs, you can trust the expertise of Rivers Schara.

Here to serve.

Our Expert Team

Our insurance experts are client-relation-oriented, meaning they strive to provide you with the best coverage that suits your specific needs and lifestyle. You can rest assured that with Rivers Schara, you have a team that is dedicated to your protection at all times. As a family-owned business, we believe in putting family first, and, as our client, you become family.

Our team has been awarded: Ambassadors for Life, Million Dollar Round Table, Chairman Circle, and National Association of Insurance & Finance Advisors.

Group of people standing in a line against a beige wall, wearing casual and branded clothing, some with hats and glasses, smiling at the camera.
A smiling man wearing a white button-up shirt with the logo 'Rivers Schara Insurance' and a cowboy hat.

Rivers Schara
(Co-Owner/Producer)

Email Rivers ➔

  • Rivers Schara, a graduate of Sul Ross State University with a Bachelor of Science Degree launched his insurance career in 1999 as a third-generation State Farm Agent alongside with his father, David Schara. In 2002, he opened his first office as a captive agent with State Farm than in 2022 he became independent agent partnering with his wife Rodda Yates- Schara. Rivers Schara Insurance is a division of Yates & Associates Insurance, a family-owned agency with over 50 years of experience. Rivers lives his life by a quote from Mark Twain, “Find a job you enjoy doing, and you will never have to work a day in your life”; Rivers expresses he has been blessed professionally and personally. Rivers and Rodda have six children and are actively involved in the agriculture industry. Spare time is often spent traveling to Livestock Show and Rodeos with their children. If you ever see him do not hesitate to tell Old Man Rivers hello.

A young man with a goatee and mustache smiling, wearing a white cowboy hat and a black work shirt with a logo that reads 'Rivers Schara Insurance', standing in front of a brick wall.

Rodney Dunham
(Agency Producer)

Email Rodney ➔

A woman with long black hair, wearing makeup, a black shirt, a necklace with a whale pendant, stands against a light-colored stone wall, smiling at the camera.

Frannie Hernandez
(Personal Lines Account Manager)

Email Frannie ➔

Young man in black suit, white shirt, and black tie smiling, with blurred stone wall background.

Aemar Apostol
(Personal Service Specialist)

Email Aemar ➔

A woman wearing a yellow long-sleeve top standing against a light-colored textured wall.

Nana Oritz
(Personal Service Specialist)

Email Nana ➔

  • Ednalyn, often called “Nana.” I am dedicated to providing exceptional service with a personal touch. Inspired by my strong single mother, Edna, I embrace resilience and determination in my work. With 5 years of customer service experience, I specialize in managing accounts and addressing billing concerns, always focusing on tailored solutions for each client. I am committed to ensuring that every client receives the attention they deserve. Outside of work, I enjoy planning my next adventure and embracing new challenges. I look forward to providing you with outstanding service and support.

A young woman with long dark hair and light makeup, wearing a pink blazer and a delicate necklace, smiling at the camera with a stone wall in the background.

Vim Apostol
(Personal Lines-Customer Service)

Email Vim ➔

  • Vim is a detail-oriented professional with expertise in administrative support, client relationship management, and process optimization. She excels in streamlining workflows, boosting operational efficiency, and delivering high-quality results. Outside of work, Vim loves spending quality time with her family. She enjoys photography, content creation, and outdoor adventures, which fuel her creativity and fresh perspectives. An active lifestyle enthusiast, she stays motivated and balanced through workouts, running, and beach trips—energizing pursuits that sharpen her focus and drive to conquer new challenges with determination.