FAQ
Common questions
Quick answers to the questions we hear most. Don't see yours? Reach out and an agent will help.
Homeowners insurance
What will a homeowners policy pay for?
Most policies cover your home's structure, other structures on the property, your personal belongings, extra living expenses if you have to move out during repairs, and personal liability. See our homeowners overview for details.
Do I have to carry homeowners insurance?
No state law requires it, but lenders almost always require it on a financed home. Even if your home is paid off, coverage protects what is likely your largest asset.
Does homeowners insurance cover floods or earthquakes?
Usually not. Flood and earthquake typically need separate policies or endorsements. We can help you add flood coverage.
How much coverage do I need?
Your dwelling coverage should reflect the cost to rebuild your home, which can differ from its market value. Your agent can help estimate rebuild costs and choose liability limits.
Auto insurance
Which auto coverages should I consider?
The right mix varies with the vehicle, your budget, and your state. Common coverages include liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments or personal injury protection. See our auto overview.
Is car insurance mandatory?
Almost every state sets a minimum amount of liability coverage you must carry. Requirements vary by state, and your lender or lease company may require more.
Are there ways to save on car insurance?
Bundling with homeowners, raising your deductible, keeping a clean driving record, and asking about available discounts can all help. We'll compare options across carriers for you.
I was just in a car accident. What now?
Make sure everyone is safe and call 911 if anyone is hurt. Swap names, insurance details, and plate numbers with the other driver, take photos, and report the claim to your insurance company as soon as you can. Call us if you need help with next steps.
Umbrella and flood insurance
Is an umbrella policy worth it for me?
Anyone whose assets or future income could exceed their home and auto liability limits in a lawsuit. It's especially worth considering if you own a pool, have a teen driver, or host guests often.
Do I need flood insurance if I'm not in a high-risk flood zone?
It's worth considering. Many flood claims are filed by homeowners outside high-risk zones, and premiums there are often lower.
When does flood coverage start?
Policies through the federal flood program (NFIP) typically have a 30-day waiting period, with some exceptions. Private flood policies may differ.
Working with us
Who is Evertree Insurance?
Evertree Insurance Services, LLC is the licensed, independent insurance brokerage that powers United Home Insurance. Evertree's licensed agents handle every quote, policy, and service request, comparing options from many insurance carriers.
What happens when I click "Get a quote"?
You'll go to Evertree's secure online quoting system. Your information is collected there and handled under Evertree's privacy policy, and a licensed agent follows up to review options with you.
Does it cost more to use an agent?
No. Agents are generally compensated by the insurance carrier, and you don't pay a separate fee to work with us.
How do I file a claim?
Contact your insurance company directly using the claims number on your policy or ID card. We're happy to walk you through it.