Insurance Agency in Laredo, 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 Laredo Texas Team

Heri Rios

A veteran of the sales and service industry, I find fulfillment in helping others succeed. My wife and I enjoy motorcycling and cycling. I love time with our four dogs: Miley, Jack, Simba, and Whiskey; or diving into American history, particularly our ancestors’ influence on the life and culture we celebrate today. Other hobbies include traveling, working on cars, golf, and reading.

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.

Sandra Zimmerman

I’ve been an insurance agent for 20+ years and enjoy helping clients navigate the industry to find the right coverage. Outside of work, I love reading, exercising, traveling – especially to the beach – and spending time with my husband of 41 years and our grown children. I believe in treating everyone with kindness, honesty, and respect.

Neighbors Helping Neighbors, One Policy at a Time

Your Local Independent Agents in Laredo

Laredo moves more freight than any inland port in the country, and that shapes what insurance looks like here. On any given day we are writing a family’s auto policy in the morning and a cargo program for a carrier running out of Mines Road in the afternoon. Both matter to us. Both are neighbors.

We are independent, which means we shop across more than 80 carriers instead of selling you one company’s product and calling it the best option.

Our office is on North Arkansas Avenue, and we serve all of Laredo, Rio Bravo, El Cenizo, Zapata, and Webb County. Se habla espanol, en la oficina y por telefono.

What Coverage Around Here Really Has to Account For

Your US auto policy does not cover you in Mexico

This is the single most common gap we find, and it catches people who cross every week. American liability coverage is not recognized by Mexican authorities. An accident south of the bridge without a Mexican-issued liability policy can mean your vehicle impounded and you detained until liability is settled. If you cross regularly for work or family, we can place Mexican auto liability alongside your Texas policy. If you cross once or twice a year, short-term policies exist. Either way, please do not assume you are covered.

Trucking and cargo

The freight economy here runs on carriers, brokers, drayage operators, and warehouses, and every one of them needs a different structure. Primary liability, motor truck cargo, physical damage, non-trucking liability, trailer interchange, and general liability all interact with each other, and the wrong combination shows up at the worst possible moment. We also handle the filings and certificates your customers and brokers ask for. Tell us your routes and what you haul and we will build it properly.

Warehouse and distribution

The buildings out on Mines Road hold enormous amounts of other people’s goods. Bailee coverage, business interruption, and honest contents valuation matter more here than the building limit does. Undervalued contents plus a coinsurance clause is how a covered loss turns into a partially paid claim.

Hail, heat, and the occasional downpour

South Texas hail damages roofs and vehicles more often than people expect, and it is comprehensive coverage on your auto policy that pays for hail damage to your car. Liability alone pays nothing. Our summer heat also drives vehicle and equipment breakdown claims that most people never connect to insurance at all. And when it does rain hard, the arroyos and low crossings fill fast. Flood is excluded from homeowners policies, so if you are near a drainage channel, that is a conversation worth having.

What We Cover

Personal

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

Business

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

Equity Insurance Group - Laredo TX

Frequently Asked Questions

Does my Texas auto insurance cover me driving in Mexico?

No. US auto liability is not recognized in Mexico, and driving there without Mexican-issued liability insurance can mean your vehicle impounded and you held until liability is resolved. Some US policies extend limited physical damage coverage a short distance across the border, but that is not the same thing as liability. We place Mexican auto liability for people who cross regularly and short-term policies for occasional trips.

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 those against 100/300/100 before deciding, and to add uninsured and underinsured motorist coverage, which Texas does not require.

Do you write commercial truck insurance for cross-border carriers?

Yes, and it is a good part of what this office does. Primary liability, motor truck cargo, physical damage, non-trucking liability, trailer interchange, and general liability, plus the certificates and filings your brokers and customers require. Tell us your routes, your commodities, your radius, and your driver roster and we will structure the program and take it to market.

Hablan espanol en su oficina?

Si. Atendemos a nuestros clientes en espanol y en ingles, por telefono y en persona en nuestra oficina en North Arkansas Avenue.

Does homeowners insurance cover hail damage to my roof?

Generally yes, though the deductible structure matters. Many Texas policies apply a separate percentage deductible to wind and hail claims. For hail damage to your vehicle, you need comprehensive coverage on your auto policy. A liability-only policy pays nothing for hail.

How quickly can I get proof of insurance?

Same day, in most cases. We can issue ID cards and certificates electronically once coverage is bound, which matters when a shipper or broker is holding a load waiting on a certificate.

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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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