Insurance Agency in Memphis, Tennessee

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

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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 Memphis Tennessee Team

Angelica Brown

Hi! I’m working toward my insurance license while supporting clients and learning the ins and outs of the industry. I love being part of a team that helps people feel confident in their coverage. Outside of work, I enjoy time with my daughter, reading, writing, and planning our next adventure—bringing creativity and care to everything I do.

Lisa Ciraulo

I am originally from Texas. I left the heat behind for Colorful Colorado where I lived for 9 years. I then left the blizzards and now reside in “The Land of Enchantment” New Mexico! New Mexico is very sentimental to me as I met my husband of 39 years at a 7-11 store in Ruidoso! We have 2 grown sons and 4 precious grandkids. I love spending time with family, traveling, playing board games and listening to 70’s music.

Nina Herrera

Truly blessed and grateful to God for my family – their love means everything to me. Family is at the heart of who I am. I have a love for the beach; it makes my heart happy, even though I don’t get there as often as I’d like. I get to call a beautiful mountain village home, where ski seasons, summer wildlife, and fall colors remind me just how much there is to cherish.

Tania White

I’m an insurance agent with a passion for music, travel, and good style. When I am not helping clients find coverage, you’ll find me singing with my cover band or catching a concert.

Veronica Guevara

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When I’m not working with my EIG family, you’ll find me cheering on my kids at their games – football, volleyball, tennis, basketball, track, or gymnastics. Supporting their passions is my greatest joy. I also love reading, puzzle books, and a little thrifting or window shopping. Life’s about making memories, finding joy in small moments, and sharing laughter with family.

Neighbors Helping Neighbors, One Policy at a Time

Your Local Independent Agents in Memphis

Memphis is a hard auto market and everybody who drives here knows why. Theft rates that made national news, a lot of uninsured drivers on the road, and storms that come through hard enough to total a row of cars in a parking lot. If your premium keeps climbing and you have not changed a thing, that is the reason.

We are independent, so we shop your coverage across more than 80 carriers instead of defending one company’s number. Our office is on Poplar Avenue, and we take care of neighbors across Memphis, Germantown, Collierville, Bartlett, Cordova, and into Southaven and West Memphis.

What Coverage Around Here Really Has to Account For

Comprehensive coverage is not optional here

Comprehensive is what pays when your car is stolen, broken into, hit by hail, or damaged by a falling limb. Liability-only pays nothing for any of it. In a city with Memphis theft numbers, dropping comprehensive to save a few dollars a month is one of the more expensive decisions available.

Uninsured motorist coverage

Tennessee has a significant share of drivers with no coverage at all. If one of them hits you, uninsured motorist coverage on your own policy is what pays your medical bills and repairs. It is inexpensive and Tennessee does not require it, which means a lot of people do not have it and do not know.

Storms and your roof

Severe storms and hail hit Shelby County regularly. What matters is whether your roof is on replacement cost or actual cash value, and how your wind and hail deductible is written. Both are on your declarations page in language nobody can parse. Send it to us.

Earthquake, which surprises people

Memphis sits near the New Madrid seismic zone, and standard homeowners policies exclude earthquake everywhere, including here. Coverage is available, deductibles run as a percentage of the dwelling limit rather than a flat number, and given the seismic history of this region it is worth at least seeing the price. Most Memphis homeowners have never been asked about it.

Rental and investment property

A lot of Memphis housing is rented, and a homeowners policy on a house you rent out can leave you unpaid on a claim. Landlord policies also address loss of rental income and the liability that comes with tenants.

What We Cover

Personal

Auto, home, earthquake, 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.

Frequently Asked Questions

Does my auto insurance cover a stolen car?

Only if you carry comprehensive coverage. Liability-only pays nothing for theft, vandalism, hail, or fire. In Memphis, comprehensive is worth carrying even on an older vehicle, and we can show you what it actually costs to add.

What is the minimum car insurance required in Tennessee?

Tennessee requires 25/50/25: $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 for property damage. Those limits go quickly against current medical and vehicle costs. We would also strongly encourage uninsured motorist coverage, which Tennessee does not require but which matters here given how many uninsured drivers are on the road.

Do I need earthquake insurance in Memphis?

It is worth pricing. We are near the New Madrid seismic zone and standard homeowners policies exclude earthquake entirely, so if you want the coverage you have to buy it separately. Deductibles run as a percentage of your dwelling limit rather than a flat dollar amount, which changes the math. Most Memphis homeowners have simply never been asked the question.

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

Check your declarations page and send it to us if it is unclear. Policies that pay roof claims on actual cash value subtract depreciation based on the roof’s age, which on an older roof can leave you covering most of a replacement yourself.

Do you write insurance for rental property?

Yes. A homeowners policy is written for owner-occupied property, and a claim on a rented house insured on the wrong form can be reduced or denied. Landlord policies also cover loss of rental income and the liability that comes with tenants.

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!

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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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