Protecting what matters most to you.

We offer a comprehensive range of personal and commercial insurance products. For individuals and families, we provide auto, homeowners, renters, life, health, umbrella, motorcycle, boat, and recreational vehicle coverage. For businesses, we carry commercial property, general liability, workers compensation, commercial auto, professional liability (E&O), directors and officers (D&O), cyber liability, and business owners policies (BOP). We also specialize in high-value home insurance and collector vehicle coverage.

Filing a claim is simple. You can call our 24/7 claims hotline at any time, submit a claim through our online portal, or contact your dedicated agent directly by phone, email, or text. Once we receive your claim, your agent personally follows up with the carrier on your behalf. Most claims are acknowledged within 24 hours and we aim to have an adjuster assigned within 48 hours. Your agent will keep you updated at every step until the claim is fully resolved.

Independent agents work for you, not for any single insurance company. Because we are not captive to one carrier, we can compare rates, coverage options, and claims service ratings from over 50 top-rated carriers to find the best fit for your specific needs. Captive agents can only offer products from their one company, which means you may be missing better options. An independent agent also serves as your advocate when you file a claim — we negotiate on your behalf and push for fair, timely settlements.

There are several proven strategies to reduce your premiums without sacrificing coverage. Bundling multiple policies (such as auto and home) often yields discounts of 15 to 25 percent. Increasing your deductible can lower your monthly payment significantly. Maintaining a clean driving record, improving your credit score, installing home security systems and smoke detectors, and asking about affinity group discounts all help as well. Your Everguard agent will conduct a full discount review during your consultation to make sure you are not leaving any savings on the table.

Absolutely. Bundling is one of the most effective ways to save on insurance. When you combine your auto and homeowners policies with the same carrier, most carriers offer a multi-policy discount of 15 to 25 percent. Some carriers extend additional discounts when you add umbrella, life, or recreational vehicle policies to your bundle. Your Everguard agent will calculate bundled pricing across multiple carriers to find the combination that gives you the strongest coverage at the lowest total premium.