Transparent pricing, no surprises.

Your premium is determined by a combination of factors including your risk profile, the coverage limits you select, your chosen deductible, your claims history, credit score, and the location of your property or where you drive most often. Higher-risk profiles or higher coverage limits result in higher premiums. During your consultation, your agent will walk you through each factor and show you exactly how your rate is calculated — no hidden fees, no surprises.

Yes, absolutely. You can increase, decrease, or modify your coverage at any time during your policy term. Whether you have bought a new car, renovated your home, or simply want to adjust your deductible, your agent will help you make mid-term changes quickly. Most adjustments take effect within 24 hours, and any premium difference is prorated for the remainder of your policy period.

Actual cash value (ACV) reimburses you for the depreciated value of your property at the time of the loss — meaning you receive what the item was worth after accounting for age and wear. Replacement cost coverage pays the full amount needed to replace the damaged or destroyed item with a new equivalent, regardless of depreciation. Replacement cost coverage carries a slightly higher premium but provides significantly better financial protection, especially for your home, electronics, and personal belongings.

Most likely, yes. Common discounts include multi-policy bundling (15-25%), claims-free history, safety features on your vehicle or home (anti-theft systems, smoke detectors, deadbolts), autopay and paperless billing, good student discounts, loyalty discounts for staying with the same carrier, and professional or alumni association affiliations. Your Everguard agent runs a complete discount audit during every consultation to ensure you are taking advantage of every savings opportunity available to you.

An umbrella policy provides an additional layer of liability coverage that kicks in after the limits on your auto, home, or other underlying policies are exhausted. For example, if you are found liable for a car accident that exceeds your auto policy limits, your umbrella policy covers the difference. We generally recommend umbrella coverage for anyone with assets to protect — a home, savings, investments, or future earnings. It is surprisingly affordable, often costing just a few hundred dollars a year for $1 million in additional coverage.