Insurance Agency in Katy, 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.



The Right Coverage

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



Real People, Real Support

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



Competitive Rates

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



Easy Claims Help

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

Meet Your Katy Texas Team

Danielle Tello

I am fortunate to have a wonderful family that brings me immense joy. Outside of work, I love watching my daughter play select softball, attending concerts, and sharing my passion for football, baseball and softball with my family, who shares my enthusiasm for sports.

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!

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 Katy

Katy is one of the hardest homeowners markets in Texas right now, and there is no mystery about why. Hail, hurricane wind, and flood all reach us here, and carriers have priced accordingly. Several national companies have quietly stopped writing new business in the Houston metro at all.

That is exactly when being independent matters most. When one carrier tightens up, we still have 80 others to work with. Nobody here is going to tell you the market is what it is and leave it there.

Our office is on Franz Road, and we take care of families in Katy, Cinco Ranch, Cross Creek Ranch, Firethorne, Grand Lakes, Fulshear, Brookshire, Richmond, and out through the Energy Corridor. One thing worth knowing: Katy spans Harris, Fort Bend, and Waller counties, and your rate can change meaningfully across just a few miles. We quote by address, never by ZIP code.

What Coverage Around Here Really Has to Account For

Flood is the one that defines this market

Harvey put water in thousands of Katy homes, and a large share of them were nowhere near the mapped 100-year floodplain. Homeowners insurance covers none of it. What matters specifically here is the Addicks and Barker reservoir pools, the bayous and creeks draining the prairie east of town, and the plain fact that every new subdivision changes how water moves. NFIP policies take 30 days to go into effect. Private flood options have gotten competitive in this market and are often broader. We quote both and let you compare.

Wind and hail deductibles

Most Katy homeowners policies apply a percentage deductible to wind and hail rather than a flat dollar amount. On a $500,000 home, a 2 percent deductible is $10,000 out of pocket. A lot of homeowners find that out for the first time standing in their yard after a hailstorm. We would rather point at it on your declarations page today.

Your roof is the whole ballgame

Carriers in this market increasingly write roofs on an actual cash value schedule instead of replacement cost, which means depreciation comes straight out of your claim check. On a 15-year-old roof, that gap can run into tens of thousands of dollars. It is the single most consequential detail in a Katy homeowners policy, and it is never on page one. Send us your declarations page and we will find it in about a minute.

Buying new construction

New Katy developments come with builder warranty questions, coverage timing at closing, and lender flood requirements that tend to surface late in the process. We work with local realtors and lenders all the time and can turn a purchase quote around fast when the closing date is tight.

That I-10 drive

Your commute is a rating factor. Annual mileage, distance, and where the vehicle is garaged all affect your premium, and telematics discounts can be significant for the right household. We will tell you honestly whether a usage-based program is likely to help you or hurt you, because for some drivers it does the latter.

What We Cover

Personal

Auto, home, flood (NFIP and private), renters, landlord and rental property, life, health, Medicare supplement, motorcycle, recreational, 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 - Katy

Frequently Asked Questions

Do I need flood insurance in Katy if I am not in a flood zone?

Most Katy homeowners should carry it either way. A large share of Harvey flood claims came from properties outside the mapped high-risk areas, where no lender ever required coverage. Preferred Risk NFIP policies for moderate and low-risk properties are inexpensive, and private flood options here are now competitive and sometimes offer higher limits and shorter waiting periods. Keep in mind that NFIP coverage does not take effect for 30 days, so this is not a decision you can make once something is in the forecast.

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. Those limits are low relative to what a serious accident on the Katy Freeway actually costs. Look at 100/300/100 before you decide. We would also point you toward uninsured and underinsured motorist coverage, which Texas does not require but which matters a great deal given how many uninsured drivers are out there.

Why did my homeowners insurance go up so much?

Three things, usually none of them about you. Statewide hail and wind losses, the rising cost of rebuilding, and carriers restricting how much new business they will write in the Houston metro. Your increase may have nothing to do with your claim history. That is exactly the situation where shopping pays, because the companies pulling back and the companies growing are pricing the same house very differently.

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

Check your declarations page, and if you cannot tell, send it over. Many Texas policies now schedule roofs on actual cash value, which subtracts depreciation based on the roof’s age. On an older roof the difference between the two can be enormous. You can often buy replacement cost back, and in this market it usually earns its premium.

Can you get me a quote fast for a closing?

Yes. Send the address, closing date, purchase price, year built, and roof age and we can usually come back with bindable homeowners quotes the same business day. If your lender is requiring flood, we will quote that at the same time.

Do you write business insurance in Katy?

We do. General liability, commercial property, commercial auto, workers compensation, business owner’s policies, and group health for businesses in Katy, Fulshear, and west Houston.

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!

Read All Our Testimonials