home
Dwelling Coverage
Homeowners Insurance
Protect Your Home and Everything in It
Comprehensive homeowners insurance that covers your dwelling, personal belongings, liability, and more. We compare rates from 50+ carriers to find you the best protection.
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Personal Property
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Liability Protection
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Living Expenses
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24/7 Claims
Why Everguard
Why Choose Everguard for Your Home
As an independent agency, we aren't locked into one carrier. We compare rates and coverage options from over 50 top-rated insurance companies to find the policy that fits your home and your budget. Our local agents live in the communities they serve — they understand the risks specific to your area, from weather patterns to local building codes. You get personalized recommendations, not a one-size-fits-all quote from a call center.
What Is Covered
Comprehensive protection for your home.
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Dwelling Protection
Covers the cost to repair or rebuild your home if it is damaged by fire, wind, hail, or other covered perils.
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Personal Belongings
Protects your furniture, electronics, clothing, and other possessions from theft, fire, and covered events.
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Liability Coverage
Covers legal expenses and damages if someone is injured on your property or you cause damage to others.
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Additional Living Expenses
Pays for temporary housing, meals, and other costs if your home is uninhabitable during repairs.
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Medical Payments
Covers medical bills for guests injured on your property, regardless of who is at fault.
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Other Structures
Protects detached garages, sheds, fences, and other structures on your property.
Getting Covered Is Simple
1
Tell Us About Your Home
Property details, current coverage, and any special needs.
2
We Compare 50+ Carriers
Our agents find the best rate and coverage match for your situation.
3
Review & Bind Your Policy
Choose your plan, sign digitally, and you're protected — often same day.
50+
Carriers Compared
$520
Avg Annual Savings
98%
Client Satisfaction
Same Day
Policy Binding
Client Stories
What our homeowners say.
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We switched our homeowners insurance through Everguard and saved over $600 a year — with better coverage than we had before. Our agent walked us through every detail and found discounts we didn't even know existed.
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After a hailstorm damaged our roof, Everguard handled everything. They filed the claim, coordinated with the adjuster, and had our settlement approved within days. I've never experienced service like that from an insurance agency.
Compare Coverage Levels
Find the right level of home protection.
Coverage
Most Popular
Essential
From $89/mo
Complete
From $149/mo
Premium
From $229/mo
Liability Coverage
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Collision Coverage
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Comprehensive Coverage
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Uninsured Motorist
remove
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Roadside Assistance
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Rental Car Coverage
cancel
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Gap Insurance
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Deductible
$1
000
$500
Claims Support
Online
24/7 Phone
Dedicated Agent
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
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
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
FAQ
Common questions about homeowners insurance.
How much homeowners insurance do I need? expand_more
You should have enough coverage to rebuild your home from the ground up at current construction costs. Our agents will calculate the replacement cost based on your home square footage, building materials, and local labor rates.
Does homeowners insurance cover flooding? expand_more
Standard homeowners policies do not cover flood damage. If you live in a flood-prone area, we can help you secure a separate flood insurance policy through the NFIP or a private carrier.
What is the difference between replacement cost and actual cash value? expand_more
Replacement cost pays to replace your damaged property with new items of similar quality. Actual cash value deducts depreciation, so you receive less. We typically recommend replacement cost coverage for the best protection.
Are home-based businesses covered? expand_more
Standard homeowners policies provide very limited coverage for business equipment and no business liability protection. If you run a business from home, we can add endorsements or recommend a separate business policy.
How can I lower my homeowners insurance premium? expand_more
You can reduce your premium by bundling with auto insurance, increasing your deductible, installing security and fire alarm systems, updating your roof and plumbing, and maintaining a claims-free history.
Related Coverage
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Auto Insurance
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Umbrella Insurance
Extra liability protection beyond your homeowners policy limits for total peace of mind.
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Life Insurance
Term and whole life policies to secure your family's financial future and protect your mortgage.
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Ready to protect your home?
Get a personalized homeowners insurance quote in minutes.