Insurance Agency in Wood River, Illinois

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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.

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 Wood River Illinois Team

Angela Clontz

Angela Clontz

Angela Clontz is passionate about spending quality time with her family and cherishes every moment shared together. She finds joy in singing and listening to music, letting melodies inspire and uplift her spirit. Angela also has a deep appreciation for nature and loves to take in the beauty of the world around her, finding peace and inspiration in the outdoors. Her positive outlook and love for life shine through in everything she does.

Terri Slaten

Terri Slaten

Terri Slaten is passionate about spending quality time with her daughter and son-in-law in beautiful New Hampshire. She enjoys house sitting and caring for her beloved grand pups whenever her daughter is out of town. Terri also has a love for travel, always eager to visit new places and create lasting memories with her family. Her adventurous spirit and dedication to family make every journey and gathering special.

Neighbors Helping Neighbors, One Policy at a Time

Wood River Illinois

158 E Ferguson Ave
Wood River, IL 62095-2024
P: 618-254-9363
F: 303-317-3495
WoodRiver@EquityInsGroup.com
Office Hours
Monday: 8:30 AM – 5:00 PM
Tuesday: 8:30 AM – 5:00 PM
Wednesday: 8:30 AM – 5:00 PM
Thursday: 8:30 AM – 5:00 PM
Friday: 8:30 AM – 4:00 PM
Saturday: Closed
Sunday: Closed

How May We Assist You?

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Your Local Independent Agents in Wood River

Two things about insuring a house in the Riverbend that most people are never told. The Mississippi and the Wood River do not care what your homeowners policy says, because flood is excluded from all of them. And this corner of Illinois sits close enough to the New Madrid seismic zone that earthquake coverage is a real conversation, not a novelty.

We are independent, so we shop your coverage across more than 80 carriers instead of selling one company’s product. Our office is on East Ferguson Avenue, and we take care of neighbors in Wood River, East Alton, Bethalto, Roxana, Alton, Godfrey, and Edwardsville.

What Coverage Around Here Really Has to Account For

Flood, and the levees

Homeowners insurance covers no rising water, and living behind a levee does not change that. It changes your flood zone designation and therefore what your lender requires, but it does not change what happens if water gets where it should not. A meaningful share of flood claims nationally come from properties outside the mapped high-risk zones. NFIP policies take 30 days to take effect. If you are anywhere near the bottoms, this is worth a conversation now.

Earthquake, which surprises people

Madison County is close enough to New Madrid that earthquake coverage is genuinely worth pricing, and standard homeowners policies exclude it everywhere. Deductibles run as a percentage of your dwelling limit rather than a flat dollar amount. Most homeowners in the Metro East have never been asked the question.

Storms and your roof

Severe storms, straight-line winds, and hail all hit Madison County. What matters is whether your roof is on replacement cost or actual cash value, and how your wind and hail deductible is written. Both live on your declarations page in language nobody can read. Send it to us.

Older housing stock

A lot of Riverbend housing has some age on it, and carriers underwrite older homes on wiring type, plumbing material, electrical panel, and roof age. If you have updated any of those, gather the documentation before we quote, because it affects both eligibility and price.

Working coverage

The refinery and the industry around it employ a lot of people here, and we write the contractors, trucking, and service businesses that support them. General liability, commercial property, commercial auto, and workers compensation.

What We Cover

Personal

Auto, home, earthquake, flood, renters, landlord and rental property, life, health, Medicare supplement, motorcycle, boat, 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, errors and omissions, and commercial umbrella.

Equity Insurance Group - Wood River

Frequently Asked Questions

Do I need flood insurance if I am behind a levee?
Being behind a levee changes your flood zone designation and what your lender requires. It does not change what happens if water gets where it should not. Homeowners insurance covers no flood damage at all, and a large share of flood claims nationally come from properties outside high-risk zones. NFIP coverage takes 30 days to go into effect, so it cannot be bought once the river is rising.
Do I need earthquake insurance in Illinois?
It is worth pricing, and most people here are surprised to be asked. Madison County sits close to the New Madrid seismic zone, and standard homeowners policies exclude earthquake completely. Deductibles run as a percentage of your dwelling limit rather than a flat number.
What is the minimum car insurance required in Illinois?
Illinois requires 25/50/20: $25,000 in bodily injury coverage per person, $50,000 per accident, and $20,000 for property damage. Illinois also requires uninsured motorist coverage at the same bodily injury limits. Those are legal minimums rather than adequate ones, and we will price higher limits alongside.
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 paying most of a replacement yourself.
Can you insure an older home?
Yes, and it takes more than pulling a rate. Carriers underwrite older homes on wiring, plumbing, panel, and roof age, and some standard companies decline properties a specialty carrier will write comfortably. Documentation of any updates you have made helps considerably.

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What Your Neighbors Have To Say

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