What is Homeowner’s Insurance?
Protecting Your Home, Your Investment, and Your Peace of Mind
Why Do You Need Homeowner’s Insurance?
Homeowner’s insurance is essential for safeguarding your property and belongings. It helps cover:
Your Home’s Structure – Repairs or rebuilding after damage from covered disasters like fire, wind, or hail.
Personal Belongings – Compensation for stolen or damaged furniture, electronics, clothing, and more.
Liability Protection – Coverage if someone is injured on your property or if you accidentally damage someone else’s property.
Additional Living Expenses (ALE) – 111
What Does Homeowner’s Insurance Cover?
Standard homeowner’s insurance policies typically include:
- Dwelling Coverage – Protects the physical structure of your home.
- Personal Property Coverage – Covers personal items inside your home.
- Liability Coverage – Provides protection if you’re legally responsible for injuries or damages.
- Loss of Use – Helps with temporary living expenses if your home is under repair.
- Other Structures Coverage – Covers structures like fences, sheds, and detached garages.
Is Homeowner’s Insurance Required?
While not legally mandated, most mortgage lenders require homeowner’s insurance as a condition for a home loan. Even if you own your home outright, having coverage ensures financial protection against unexpected damages and liabilities.
Find the Right Coverage for Your Home
At EverHome Insurance powered by Evertree Insurance, we make finding the right homeowner’s insurance simple, affordable, and tailored to your needs. Our team of experts is here to guide you through the process and help you secure the best coverage for your home.
Get a Quote Today!
Protect your home and everything in it. Contact us now for a personalized quote.
What is Auto Insurance?
Protecting You, Your Vehicle, and Your Financial Well-Being
Why Do You Need Auto Insurance?
Auto insurance isn’t just a smart choice—it’s a requirement in most states. It helps cover:
Vehicle Repairs or Replacement – Covers damages from accidents, weather, theft, and vandalism.
Medical Expenses – Helps pay for injuries sustained by you, your passengers, or others in an accident.
Liability Protection – Covers costs if you’re responsible for injury or property damage.
Uninsured/Underinsured Motorist Coverage – Protects you if you’re hit by a driver with little or no insurance.
What Does Auto Insurance Cover?
A typical auto insurance policy includes:
- Liability Coverage – Pays for damages and injuries you cause to others.
- Collision Coverage – Covers repair or replacement of your vehicle after an accident.
- Comprehensive Coverage – Protects against non-collision damages like theft, vandalism, or natural disasters.
- Medical Payments (MedPay) or Personal Injury Protection (PIP) – Helps cover medical expenses regardless of fault.
- Uninsured/Underinsured Motorist Coverage – Steps in when the other driver lacks sufficient insurance.
Is Auto Insurance Required?
Yes! Most states require drivers to carry at least liability insurance to legally operate a vehicle. However, full coverage (including collision and comprehensive insurance) is often recommended—especially if you have a car loan or lease.
Get the Right Coverage for Your Needs
At EverHome Insurance, powered by Evertree Insurance, we offer affordable, customized auto insurance plans to keep you protected without overpaying. Our experts are ready to find the best policy to fit your driving habits and budget.
What is an Umbrella Policy and Why Do Homeowners Need One?
How Does an Umbrella Policy Work?
If you’re found liable for property damage, bodily injury, or personal liability claims, your homeowners or auto insurance will cover costs up to the policy limit. However, if damages exceed that limit, an umbrella policy steps in to cover the remaining amount—helping protect your assets, savings, and future earnings.
What Does an Umbrella Policy Cover?
- Lawsuits related to injuries or property damage caused by you, your family, or even pets.
- Medical expenses if someone is injured on your property.
- Legal fees associated with covered claims.
- Libel, slander, or defamation claims.
- Incidents that occur outside your home, such as accidents involving rental properties or recreational vehicles.
Who Needs an Umbrella Policy?
An umbrella policy is a smart investment for homeowners who:
✔ Own property or significant assets
✔ Have a swimming pool, trampoline, or other features that may pose injury risks
✔ Regularly entertain guests at home
✔ Have young drivers in the household
✔ Want additional peace of mind
Affordable Protection with High Value
Umbrella policies are typically very affordable, often costing just a few hundred dollars per year for extra coverage.
Get Extra Protection Today!
Protect your home, assets, and future with an umbrella insurance policy. Contact EverHome Insurance to learn more and get a customized quote!
What is Flood Insurance?
Why Do You Need Flood Insurance?
- Flooding is the most common natural disaster in the U.S.
- Just one inch of water can cause thousands of dollars in damage.
- Federal disaster aid is not guaranteed and is often a loan that must be repaid.
- Floods can happen anywhere, not just in high-risk zones.
What Does Flood Insurance Cover?
A standard flood insurance policy includes two types of coverage:
✔ Building Coverage – Protects the structure of your home, including:
- Foundation, walls, and electrical systems
- Plumbing, HVAC, and water heaters
- Built-in appliances and flooring
✔ Contents Coverage – Protects personal belongings, such as:
- Furniture and electronics
- Clothing and valuables
- Washers, dryers, and portable appliances
Who Should Get Flood Insurance?
Flood insurance is not just for high-risk areas—over 25% of flood claims come from low-to-moderate-risk zones. Whether you’re required to have coverage or simply want peace of mind, flood insurance helps protect what matters most.
Affordable Protection for Your Home
Flood insurance policies are available through the National Flood Insurance Program (NFIP) and private insurers, with options tailored to your home’s needs.
Get a Quote Today!
Don’t wait for a flood to find out you’re not covered. Contact EverHome Insurance to learn more about your options and secure the right protection for your home.