Insurance Agency in Santo, Texas

We Shop, You Save

Big Enough To Save You Money, Small Enough To Know Your Name

What You Get With Us

Insurance isn’t one-size-fits-all. We get to know you—and your unique situation. You get real people, honest answers, with coverage that fits you at the best possible price.

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The Right Coverage

Liability, collision, comprehensive—we’ll explain it all and help you choose what makes sense.

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Real People, Real Support

When you call, you get US. Not a robot. Not a call center. Just helpful answers, fast.

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Competitive Rates

We shop multiple insurers to find the best value for your needs and budget.

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Easy Claims Help

If something goes wrong, we help you through it—step by step.

Meet Your Santo Texas Team

Grace Costilla

Grace has worked in the insurance industry for 11 years. She thrives in caring for her clients and making sure they are protected. Whether they are in rural Texas or more metropolitan areas, she strives to foster community among them. When Grace is not in the office, she enjoys alternative music and likes to spend her free time with her family, playing D&D, and animal rescue.

Kimmie Pervez

Originally from Louisiana, Kimmie made Texas home in 2018. With 15 years of insurance experience, she enjoys building lasting client relationships and helping people feel confident about their coverage. A Culinary Arts graduate, Kimmie loves cooking, entertaining, and relaxing on her Texas-sized back porch with music. She’s the proud mom of four adult sons and enjoys traveling to visit family, making memories with friends, and spending time with her two rescue dogs, Daisy and Bear.

Patrick Nolin

Patrick is a native Texan who brings 11 years of deep passion and expertise to the insurance industry, focusing on educating agents and customers alike to make confident choices. His love for golf started at just two years old, a lifelong sport he now shares with others by teaching golf lessons in his spare time. Outside of work, Patrick is dedicated to his faith and his family, cherishing life with his wife, Dandy, and their blended family of five children.

Neighbors Helping Neighbors, One Policy at a Time

Your Local Independent Agents in Santo

Out here a policy has to cover the place, not just the house. The barn, the equipment, the fencing, the stock trailer, and for a lot of families a cabin or a boat out at Possum Kingdom. The mistakes we find are rarely about price. They are about something that never got scheduled.

We are independent, so we shop your coverage across more than 80 carriers instead of selling one company’s product. Our office is on Farm to Market 4, and we take care of folks in Santo, Mineral Wells, Strawn, Gordon, Millsap, Palo Pinto, and out around Possum Kingdom Lake.

What Coverage Around Here Really Has to Account For

Wildfire and grass fires

Palo Pinto County knows what a dry, windy February can do. Fire is covered on a standard homeowners policy, but the questions that decide whether you come out whole are different: is your dwelling limit enough to rebuild at today’s costs, are your outbuildings scheduled at real values, and is your fencing covered. Fencing is one of the most commonly underinsured items on rural property and replacing miles of it is expensive.

Farm and ranch is a different product

A homeowners policy will not carry your operation. Livestock, equipment, barns, hay, and liability for anyone who comes onto the place all need to be handled properly. If you lease for hunting, that is its own exposure and most landowners carry none at all.

Hail

Hail damages roofs and vehicles here every year. Most Texas policies now apply a separate percentage deductible to wind and hail, and hail damage to your vehicle is only covered if you carry comprehensive.

Possum Kingdom

Lake homes, cabins, docks, and boats each raise their own issues. A house you are not in year round is not what a standard homeowners form is written for, and vacancy language can reduce or deny a claim. Homeowners policies also include only a very small amount of watercraft coverage and almost no liability once you are on the water. If you rent the place out at all, tell us, because that is a commercial use.

Oilfield and service work

Commercial auto, general liability, and workers compensation for the contractors and service companies working around the county.

What We Cover

Personal

Auto, home, farm and ranch, cabin and second home, flood, renters, landlord and short-term rental, life, health, Medicare supplement, motorcycle, boat, recreational and RV, personal property, pet, and umbrella.

Business

Commercial auto, business owner’s policies, commercial property, general liability, workers compensation, group benefits, health, life, bonds, errors and omissions, and commercial umbrella.

Equity Insurance Group - Santo

Frequently Asked Questions

Does my homeowners policy cover my barn, equipment, and fencing?

Not adequately in most cases. Outbuildings often carry a low sublimit, equipment goes unscheduled, and fencing is almost always underinsured. A farm and ranch policy handles all of it. Tell us what is actually on the place and we will build it to match.

Can you insure a cabin at Possum Kingdom that I am not in year round?

Yes, and it needs to be written as what it is. Standard homeowners forms assume owner occupancy and contain vacancy language that can reduce or deny a claim on a seasonally used property. If you also rent it out, that is a commercial use and needs a different form again.

Do I need separate insurance for my boat?

Almost always. Homeowners policies include only a small amount of watercraft coverage and very little liability on the water. A standalone boat policy covers hull damage, liability, medical payments, towing, and often fuel spill and wreck removal.

I lease my land for hunting. Am I covered?

Probably not the way you need to be. Hunting lease liability is a specific exposure that a homeowners policy is not built for. It is inexpensive to address.

What is the minimum car insurance required in Texas?

Texas requires 30/60/25. Those are legal minimums, not adequate limits, and we will price higher limits alongside so you can see the actual difference.

Get Your FREE No Obligation Insurance Evaluation Today!

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Free Evaluation

We do the Shopping. You get the Savings!

We shop over 80 of the best insurance companies to get you the most competitive pricing and coverage that is as unique as your individual needs.

What Your Neighbors Have To Say

REAL PEOPLE . . . REAL RESULTS! Hear from people just like you.

Heather B.

I highly recommend Equity Insurance Group—it’s the company I personally trust and the one I consistently suggest to my clients. Their team delivers exceptional service: they’re responsive, knowledgeable, and make the entire insurance process straightforward and stress-free. Working with Jordan is always a pleasure; his professionalism and attention to detail ensure that every client receives outstanding care and confidence in their coverage.

Justin P.

I have been a client of Equity Insurance Group for the past decade. They regularly check in with me to make sure I am appropriately covered, and shop around my insurance to make sure I still have the best price. When I've had to make claims, they've helped me through the process and never hesitated to advocate for me. Nobody wants to deal with their insurance, but EIG makes that process as painless as possible!

Alecia F.

I’ve had a great experience with Equity Insurance Group! I really appreciate how patient and helpful they are — I asked a million questions about my policy, and every single one was answered clearly and thoroughly. Their customer service is excellent. Anytime I need to make changes or have an issue, they handle it with kindness and professionalism. What I especially love is being able to work with someone face-to-face. It’s so much better than just talking to someone over the phone — it makes the experience feel more personal and trustworthy.

Jesus & Alexander G.

With a growing family and another baby on the way, peace of mind means everything to us. Equity Insurance Group made sure we’re covered from every angle — home, auto, and life. They treat us like family, not just another policy number. We couldn’t ask for a more caring, trustworthy team!

Mallory K.

Mia was absolutely amazing! We needed quotes quickly to close on a new home, and everyone else gave us exorbitant rates with high deductibles that wouldn't work with our growing family. In a day, we had everything we needed from Mia to move forward with a carrier she found who had solid price points and coverage. Thank you, Mia, for making this process so easy!

Brandon D.

I’ve had a fantastic experience with Equity Insurance Group. From the start, their team made the process easy to understand and stress-free. They took the time to explain all my coverage options and helped me choose a policy that truly fits my needs and budget. What impressed me most was their responsiveness and how quickly they handled any questions or concerns I had. It’s clear they genuinely care about their customers. I feel confident and well-protected knowing I’m insured with Equity. Highly recommended!

Amy C.

Jordan at Equity Insurance Group is amazing! He also takes great care of all of my personal insurance needs and answers every question that I have. I am a Realtor and he is also fantastic at providing excellent service to my real estate clients that I send his way. I never hesitate referring him to anyone!

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