Insurance Agency in Decatur, Texas (Wise County)

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 Decatur Texas Team

Crystal Gonzalez

As a Wise County native, I found my transition from healthcare to the present role as CSR at Equity Insurance Group has allowed me to continue to bring compassionate and genuine service to our community. Outside of work, I cherish spending time with my two amazing daughters. I also enjoy well-crafted cinema and stargazing under the Texas sky.

Linda Chavarria

With over five years of experience as an insurance agent, I take pride in helping clients protect what matters most while creating lasting relationships built on trust and service. When I’m away from the office, you can find me enjoying time with family and friends, exploring new places, or relaxing on a rooftop with good music.

Mario Fuentes

Born in El Salvador and proud to call Texas home, Mario is passionate about developing people, building strong teams, and helping others reach their full potential. He believes in leading by example, working hard, and always finding ways to improve. Outside of work, Mario enjoys spending time with his family, traveling, and exploring the outdoors. He’s also a big baseball fan, but nothing beats watching his boys play the game.

Neighbors Helping Neighbors, One Policy at a Time

Your Local Independent Agents in Wise County

Decatur sits in the part of North Texas where the metroplex runs out and the country starts, and a lot of people here have a foot in both. A house in town and forty acres outside it. A job in Fort Worth and a stock trailer in the driveway. Insurance that only accounts for one of those leaves you exposed.

We are independent, so we shop your coverage across more than 80 carriers instead of selling one company’s product. We serve Decatur, Bridgeport, Boyd, Rhome, Alvord, Chico, Paradise, and Wise County generally.

What Coverage Around Here Really Has to Account For

Hail, and what your policy says about your roof

Wise County sits in one of the hardest hail corridors in the country. Most Texas carriers now schedule roofs on actual cash value, subtracting depreciation based on the roof’s age, which on a 15-year-old roof can leave you paying most of a replacement on a covered claim. Send us your declarations page and we will find it and price the alternative.

Wind and hail deductibles

Separate percentage deductibles are the norm here. On a $450,000 home, 2 percent is $9,000 out of pocket before the policy responds.

Land, barns, and equipment

A homeowners policy is written for a house. Outbuildings often carry a low sublimit, equipment goes unscheduled, and fencing is one of the most commonly underinsured items on rural property. If you run cattle, keep horses, or lease land for hunting, none of that belongs on a homeowners form.

Commercial auto and trucking

Wise County has a lot of trucks: oilfield service, aggregate, contracting, and agricultural hauling. Radius of operation, what you haul, driver rosters, and hired and non-owned exposure all change the structure and the price. Tell us how the operation actually runs.

Tornado and severe storms

Spring storms here are serious, and the practical questions are the same three every time: is your roof on replacement cost or actual cash value, how is your wind and hail deductible written, and does your dwelling limit still reflect what it would cost to rebuild today. We check all three at renewal.

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

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

Equity Insurance Group - Decatur Texas

Frequently Asked Questions

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

Check for a roof surfacing endorsement or a roof payment schedule on your declarations page, and send it to us if it is not clear. Many Texas policies now pay roof claims on actual cash value, subtracting depreciation by roof age. In this hail corridor that difference runs into tens of thousands of dollars on one claim.

Does my homeowners policy cover my barn and equipment?

Not adequately, usually. Outbuildings frequently carry a low sublimit, equipment often goes unscheduled, and fencing is almost always underinsured. A farm and ranch policy handles it properly. Tell us what is actually on the place.

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 100/300/100 alongside them so you can see the real difference.

Do you write commercial auto for trucking operations?

Yes. Primary liability, physical damage, hired and non-owned auto, general liability, and workers compensation, along with the certificates your customers require.

Why did my premium go up when I never filed a claim?

Because carriers reprice entire North Texas territories after big hail years. Your increase may have nothing to do with your history, which is exactly when shopping across companies pays off.

Get Your FREE No Obligation Insurance Evaluation Today!

We will shop and compare all your current insurance policies to find the best coverage for you at the best price. Find out how much you can save today!

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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