Insurance Agency in Aubrey, 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 Aubrey, Texas Team

Gabriel Smith

I’m a proud El Paso, Texas native who values family, sports, and making great memories. I’m blessed with a wonderful wife and two amazing sons, and spending time with them is always a priority. I enjoy playing basketball and cheering on my favorite teams – the San Francisco 49ers, Chicago Bulls, and San Francisco Giants. Christmas is my favorite holiday, and when I’m not watching sports, you’ll often find me listening to The Fray.

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.

Lydia Gregory

Lydia is a native Houstonian with 11 years in the insurance industry and sitting down to review coverage with her clients is what she enjoys the most along with providing insight into what can be a daunting subject. When she is not working, Lydia loves to spend time with her children, play with her two dogs, and play video games.

Michael Phillips

Born and raised in Houston TX, Michael is an avid Astros, Rockets, and Texans fan. With almost a decade in the insurance business He loves helping people understand how to protect their greatest investments and finding the right options to suit their needs. Music, percussion, movies, and dogs are his passions outside of work. When not pursuing these, He is a gamer and lover of life!

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 Aubrey

Aubrey has changed fast. There are still working horse operations on land that has been in the same family for generations, and there are subdivisions going up a mile away that did not exist five years ago. We write for both, and they need very different policies.

What has not changed is the weather. North Texas hail does not care whether your house is new construction or a barn that has stood since the sixties. What matters is which carrier you are with and how your roof is scheduled, and those are the two things an independent agent can actually do something about. We shop more than 80 companies.

Our office is on Highway 377, and we take care of folks in Aubrey, Cross Roads, Providence Village, Savannah, Krugerville, Pilot Point, Little Elm, and out through Denton County.

What Coverage Around Here Really Has to Account For

Your roof, and how the policy pays for it

This is the most consequential line in a North Texas homeowners policy and it is never on page one. Many Texas carriers now schedule roofs on actual cash value, subtracting depreciation based on the roof’s age from whatever they pay you. On a 15-year-old composition roof after a hailstorm, that can mean covering most of the replacement yourself on a covered claim. Send us your declarations page and we will find it in about a minute and price the alternative.

Wind and hail deductibles

Separate percentage deductibles are standard here now. On a $600,000 home, a 2 percent deductible is $12,000 before the policy pays anything. That is a number you want to know in January.

Horses, land, and outbuildings

A homeowners policy is written for a house, not for a place. Barns, arenas, tack, trailers, fencing, and equipment are frequently underinsured or not scheduled at all, and if anyone rides on your property, your personal liability may not respond the way you assume. If you board, train, give lessons, or host anyone for any reason, tell us. Equine liability is a different animal and we will structure it properly.

New construction and closings

New Aubrey and Providence Village builds bring builder warranty questions, coverage timing at closing, and lender requirements that surface late in the process. Send us the address, closing date, purchase price, year built, and roof age and we can usually turn a bindable quote around the same business day.

The commute

Plenty of people here drive into Denton, Frisco, or further. Annual mileage, commute distance, and where the vehicle is garaged all affect your premium, and telematics programs can help or hurt depending on the household. We will tell you honestly which one you are.

What We Cover

Personal

Auto, home, farm and ranch, flood, renters, landlord and rental property, life, health, Medicare supplement, motorcycle, recreational and RV, personal property, pet, and umbrella.

Business

Business owner’s policies, commercial auto including hired and non-owned, commercial property, general liability, workers compensation, group benefits, health, life, bonds, directors and officers, errors and omissions, and commercial umbrella.

Equity Insurance Group - Aubrey

Frequently Asked Questions

Is my roof covered at replacement cost or actual cash value?

Look for a roof surfacing endorsement or a roof payment schedule on your declarations page, and if you cannot tell, send it over. Many Texas policies now pay roof claims on actual cash value, which subtracts depreciation based on the roof’s age. In hail country that gap runs into tens of thousands of dollars on a single claim. Replacement cost can often be bought back, and around here it usually earns its premium.

What is the minimum car insurance required in Texas?

Texas requires 30/60/25: $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 for property damage. We would encourage you to compare that against 100/300/100 before deciding, and to add uninsured and underinsured motorist coverage, which Texas does not require but which matters given how many uninsured drivers are on 380.

Do I need special insurance for my barn, arena, or horses?

Almost certainly. Homeowners policies are written for houses. Outbuildings may carry a low sublimit or none at all, and tack, equipment, and trailers are often unscheduled. If anyone else rides, boards, trains, or is on the property in connection with horses, your personal liability may not respond. Tell us how the place is actually used and we will build it correctly.

Why did my homeowners insurance go up when I have not filed a claim?

Because North Texas rates follow regional hail losses and rebuilding costs, not just your individual history. Carriers reprice whole territories at once. That is exactly the situation where shopping pays, because the companies pulling back and the companies growing will quote your house very differently in the same month.

Can you quote fast for a closing?

Yes. Same business day in most cases, as long as we have the address, closing date, purchase price, year built, and roof age.

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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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