--- title: Coverage Plans and Pricing — Everguard Insurance description: Compare insurance coverage plans and pricing tiers. Find the right balance of protection and affordability. --- [Skip to main content](https://www.nopethemes.com/everguard/pricing#main-content) [![Everguard](https://www.nopethemes.com/hs-fs/hubfs/everguard-logo.png?width=140&height=105&name=everguard-logo.png "Everguard")](https://www.nopethemes.com/?hsLang=en) - Coverage expand\_more - About expand\_more - Resources expand\_more - [Contact](https://nopethemes.com/everguard/contact?hsLang=en) [Get a Quote](https://nopethemes.com/everguard/free-quote?hsLang=en) Coverage Options [shield All Coverage Types Browse all insurance products](https://nopethemes.com/everguard/services?hsLang=en) [description Coverage Detail Deep dive into each policy](https://nopethemes.com/everguard/service-detail?hsLang=en) [compare Coverage Comparison Compare plans side by side](https://nopethemes.com/everguard/comparison?hsLang=en) Plans & Pricing [payments Coverage Plans View plans and pricing tiers](https://nopethemes.com/everguard/pricing?hsLang=en) [star Why Choose Us What makes Everguard different](https://nopethemes.com/everguard/features?hsLang=en) Get Started [edit\_note Free Quote Get a personalized quote in minutes](https://nopethemes.com/everguard/free-quote?hsLang=en) [event\_available Open Enrollment Don't miss your enrollment window](https://nopethemes.com/everguard/open-enrollment?hsLang=en) [policy Free Policy Review See if you're overpaying](https://nopethemes.com/everguard/policy-review?hsLang=en) [calculate Savings Calculator Estimate your annual savings](https://nopethemes.com/everguard/savings-calculator?hsLang=en) [calendar\_month Book a Consultation Talk to a licensed agent](https://nopethemes.com/everguard/appointment?hsLang=en) [info About Our Agency Our story and mission](https://nopethemes.com/everguard/about?hsLang=en) [groups Our Agents Meet your local team](https://nopethemes.com/everguard/team?hsLang=en) [reviews Client Stories Hear from policyholders](https://nopethemes.com/everguard/testimonials?hsLang=en) [article Blog Insurance tips and guides](https://nopethemes.com/everguard/blog?hsLang=en) [help FAQs Common questions answered](https://nopethemes.com/everguard/faqs?hsLang=en) [assignment File a Claim Start your claim process](https://nopethemes.com/everguard/claims?hsLang=en) [library\_books Resources & Guides Insurance education center](https://nopethemes.com/everguard/resources?hsLang=en) [menu\_book Coverage Reference Detailed coverage documentation](https://nopethemes.com/everguard/documentation?hsLang=en) [event Open Enrollment Don't miss your enrollment window](https://nopethemes.com/everguard/open-enrollment?hsLang=en) - Coverage expand\_more Coverage Options [shield All Coverage Types](https://nopethemes.com/everguard/services?hsLang=en) [description Coverage Detail](https://nopethemes.com/everguard/service-detail?hsLang=en) [compare Coverage Comparison](https://nopethemes.com/everguard/comparison?hsLang=en) Plans & Pricing [payments Coverage Plans](https://nopethemes.com/everguard/pricing?hsLang=en) [star Why Choose Us](https://nopethemes.com/everguard/features?hsLang=en) Get Started [edit\_note Free Quote](https://nopethemes.com/everguard/free-quote?hsLang=en) [event\_available Open Enrollment](https://nopethemes.com/everguard/open-enrollment?hsLang=en) [policy Free Policy Review](https://nopethemes.com/everguard/policy-review?hsLang=en) [calculate Savings Calculator](https://nopethemes.com/everguard/savings-calculator?hsLang=en) [calendar\_month Book a Consultation](https://nopethemes.com/everguard/appointment?hsLang=en) - About expand\_more [info About Our Agency](https://nopethemes.com/everguard/about?hsLang=en) [groups Our Agents](https://nopethemes.com/everguard/team?hsLang=en) [reviews Client Stories](https://nopethemes.com/everguard/testimonials?hsLang=en) - Resources expand\_more [article Blog](https://nopethemes.com/everguard/blog?hsLang=en) [help FAQs](https://nopethemes.com/everguard/faqs?hsLang=en) [assignment File a Claim](https://nopethemes.com/everguard/claims?hsLang=en) [library\_books Resources & Guides](https://nopethemes.com/everguard/resources?hsLang=en) [menu\_book Coverage Reference](https://nopethemes.com/everguard/documentation?hsLang=en) [event Open Enrollment](https://nopethemes.com/everguard/open-enrollment?hsLang=en) - [Contact](https://nopethemes.com/everguard/contact?hsLang=en) [Get a Quote](https://nopethemes.com/everguard/free-quote?hsLang=en) Coverage Plans # Transparent pricing, no surprises. We believe you should know exactly what you are paying for. Compare coverage tiers, understand your options, and choose the protection that fits your budget — with a licensed agent by your side. [Get a Personalized Quote](https://nopethemes.com/everguard/contact?hsLang=en) [Talk to an Agent](https://nopethemes.com/everguard/appointment?hsLang=en) ![Insurance coverage plans and pricing comparison](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/helper-img-13.jpg) $520 Avg. Annual Savings 25% Avg. Bundle Discount 15 min Average Quote Time $0 Cost for Quotes Compare Plans ## Find the right level of protection. Every policy is customizable. These tiers give you a starting point — your agent will tailor coverage to your exact needs. Coverage Most Popular Essential From $89/mo Complete From $149/mo Premium From $229/mo Liability Coverage info check\_circle check\_circle check\_circle Collision Coverage info cancel check\_circle check\_circle Comprehensive Coverage info cancel check\_circle check\_circle Uninsured Motorist remove check\_circle check\_circle Roadside Assistance info cancel cancel check\_circle Rental Car Coverage cancel remove check\_circle Gap Insurance info cancel cancel check\_circle Deductible $1 000 $500 Claims Support Online 24/7 Phone Dedicated Agent Get Quote Get Quote Get Quote Most Popular Essential From $89/mo - Liability Coverage - - Collision Coverage cancel - Comprehensive Coverage check\_circle - Uninsured Motorist check\_circle - Roadside Assistance null - Rental Car Coverage null - Gap Insurance null - Deductible null - Claims Support null Get Quote Complete From $149/mo - Liability Coverage - - Collision Coverage cancel - Comprehensive Coverage check\_circle - Uninsured Motorist check\_circle - Roadside Assistance null - Rental Car Coverage null - Gap Insurance null - Deductible null - Claims Support null Get Quote Premium From $229/mo - Liability Coverage - - Collision Coverage cancel - Comprehensive Coverage check\_circle - Uninsured Motorist check\_circle - Roadside Assistance null - Rental Car Coverage null - Gap Insurance null - Deductible null - Claims Support null Get Quote How It Works ## What goes into your premium. assessment ### Risk Assessment Your premium is based on factors like location, property value, driving history, and claims record. We analyze these to find you the lowest rate. tune ### Coverage Level Higher coverage limits and lower deductibles increase your premium. We help you find the right balance between protection and affordability. loyalty ### Discounts Applied Bundling, good driving, home security, claims-free history — we automatically check for every discount you qualify for. Bundle & Save ## Combine policies and save up to 25%. Most clients who bundle home and auto save between 15-25% on their total premiums. We also check for multi-policy discounts across life, umbrella, and specialty lines. The more you bundle, the more you save. [Get a Bundle Quote](https://nopethemes.com/everguard/contact?hsLang=en) ![Family saving money by bundling insurance policies](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/helper-img-14.jpg) Our Carriers ## We compare rates from 50+ trusted carriers. ![Placeholder logo 1](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/logo-placeholder-1.svg) ![Placeholder logo 2](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/logo-placeholder-2.svg) ![Placeholder logo 3](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/logo-placeholder-3.svg) ![Placeholder logo 4](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/logo-placeholder-4.svg) ![Placeholder logo 5](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/logo-placeholder-5.svg) ![Placeholder logo 1](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/logo-placeholder-1.svg) Client Stories ## See how much our clients are saving. format\_quote star star star star star > I was paying $3,200 a year for auto insurance with my old carrier. Everguard found me the same coverage — same limits, same deductible — for $2,100. That is $1,100 back in my pocket every year. ![Jason Mitchell](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/portrait-2.jpg) Jason Mitchell Auto policyholder format\_quote star star star star star > Bundling our home, auto, and umbrella policy through Everguard saved us over $2,400 annually. And the coverage is actually better than what we had before — higher limits, lower deductibles. ![Sarah & Kevin Park](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/portrait-1.jpg) Sarah & Kevin Park Bundle policyholders format\_quote star star star star star > As a small business owner, every dollar counts. Everguard reduced my commercial package premium by 22% without cutting any coverage. They found discounts I did not even know existed. ![Maria Gonzalez](https://www.nopethemes.com/hubfs/raw_assets/public/studionope-for-insurance/images/templates/portrait-3.jpg) Maria Gonzalez Owner, Gonzalez Bakery FAQ ## Common questions about pricing and coverage. How is my insurance premium calculated? expand\_more 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. Can I adjust my coverage after purchasing? expand\_more 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. What is the difference between actual cash value and replacement cost? expand\_more 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. Are there discounts I might be missing? expand\_more 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. What is an umbrella policy and do I need one? expand\_more 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. ## Ready to see how much you could save? Get a free, no-obligation quote in minutes. [Get Your Free Quote](https://nopethemes.com/everguard/contact?hsLang=en) [![everguard-logo-negative](https://www.nopethemes.com/hubfs/everguard-logo-negative.png)](https://www.nopethemes.com/?hsLang=en) Independent insurance agency comparing rates from 50+ top-rated carriers to find you the best coverage. #### Coverage - [All Coverage Types](https://nopethemes.com/everguard/services?hsLang=en) - [Coverage Detail](https://nopethemes.com/everguard/service-detail?hsLang=en) - [Coverage Comparison](https://nopethemes.com/everguard/comparison?hsLang=en) - [Plans & Pricing](https://nopethemes.com/everguard/pricing?hsLang=en) - [Why Choose Us](https://nopethemes.com/everguard/features?hsLang=en) #### Company - [About Our Agency](https://nopethemes.com/everguard/about?hsLang=en) - [Our Agents](https://nopethemes.com/everguard/team?hsLang=en) - [Client Stories](https://nopethemes.com/everguard/testimonials?hsLang=en) - [Free Quote](https://nopethemes.com/everguard/free-quote?hsLang=en) - [Policy Review](https://nopethemes.com/everguard/policy-review?hsLang=en) - [Book a Consultation](https://nopethemes.com/everguard/appointment?hsLang=en) #### Resources - [Blog](https://nopethemes.com/everguard/blog?hsLang=en) - [FAQs](https://nopethemes.com/everguard/faqs?hsLang=en) - [File a Claim](https://nopethemes.com/everguard/claims?hsLang=en) - [Guides & Resources](https://nopethemes.com/everguard/resources?hsLang=en) - [Open Enrollment](https://nopethemes.com/everguard/open-enrollment?hsLang=en) - [Savings Calculator](https://nopethemes.com/everguard/savings-calculator?hsLang=en) #### Contact Us - location\_on123 Main Street, Suite 200 Austin, TX 78701 - call[(512) 555-0142](tel:+15125550142) - mail[info@everguard.com](mailto:info@everguard.com) - scheduleMon–Fri: 8am – 6pm Sat: 9am – 1pm [Book a Consultation](https://nopethemes.com/everguard/appointment?hsLang=en) © 2026 Everguard Insurance Agency. 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