Independent insurance agency in Arizona
Home, auto, business, and trucking insurance, shopped for you.
We compare coverage from several insurance companies and bring you real options, explained in plain English. You get a person who knows your policies, replies within four business hours, and checks in before every renewal.
It costs nothing to compare. Call or text (602) 853-6358 if you'd rather talk it through.
Everhold Insurance is an independent insurance agency in Arizona for households, businesses, and truckers. Founded by Gabe Schouten. Service area: all of Arizona.
Free tools
Start with a free check.
One for each kind of insurance we write. Each is free, and nothing about your current insurance changes.
Home and auto
Your premium went up. Find out why.
Send the renewal notice. We find what changed, shop it, and send you a one page breakdown with your options.
Get a Second OpinionBusiness
Signing a contract? Check the insurance first.
Send the insurance section and your policies. We tell you what meets it and what to fix before you sign. Not legal advice.
Check My ContractTrucking
Enter your DOT number. See what underwriters see.
Your FMCSA record the way an underwriter reads it, and the three things to fix before your renewal.
Get My DOT SnapshotMore free tools for homes, businesses, and truckers are at the bottom of every page.
What we insure
Your home, your cars, your business, and your trucks.
One agency for the things you own and the work you do. Tell us what you have and we'll tell you, in plain English, what each policy does.
Home and family
- Homeowners
- Covers the home you live in, your belongings, and your liability if someone gets hurt there. Condos and renters too.
- Personal auto
- Liability, collision, and comprehensive coverage for the cars your household drives, including new teen drivers.
- Personal umbrella
- An extra layer of liability on top of your home and auto policies, for the lawsuit that's bigger than either one.
- Flood insurance
- Home policies leave out flood. A separate flood policy covers it.
Business
- General liability and BOP
- Protects your business if someone is hurt or their property is damaged. A business owner's policy bundles it with your property.
- Workers compensation
- Pays for medical care and lost wages when an employee is hurt on the job.
- Commercial auto
- Covers the vehicles your business owns, and the ones employees drive for work.
- Business property
- Covers your building, equipment, and inventory.
Trucking
- Truck liability
- The auto liability your authority and your brokers require, with the federal and state filings handled for you.
- Motor truck cargo
- Covers the freight you haul if it's damaged or stolen on your watch.
- Truck physical damage
- Covers your tractors and trailers themselves, from collisions to theft.
Own rentals, flips, or vacant property? Click here if you're a real estate investor. All quotes and coverage are subject to underwriting and carrier approval.
How it works
Three steps, and you only do the first one.
1. Tell us what you have
Call, text, or fill in the quote form. If you have your current declarations page, send it. It's the summary page of your policy, and it saves a lot of questions.
2. We shop it
We compare coverage and price from several insurance companies, so you see what you'd actually be getting, not just the cheapest number.
3. You choose
We walk you through the options and you pick. Nothing changes until you say so.
Then we stay with you
Changes, certificates, and claims go through a person who knows your account. You don't get handed a phone number.
What you can count on
You won't have to chase us.
Calls, texts, and emails, Monday to Friday.
So there's time to compare options before anything changes.
A call about 30 days out, with shopped options, so you're choosing instead of just accepting an increase.
Before every renewal: 90, 60, and 30 days out
The same plan for every policy, every year.
- 90days out
A heads up
An email that your renewal is coming, with time to spare.
- 60days out
What the market is doing
A short note on rates and what it could mean for your policy.
- 30days out
A call with options
We've already shopped it. You decide whether to stay, switch, or adjust.
What it costs
Working with us costs you nothing extra.
When you buy a policy through Everhold, the insurance company pays us a commission. There's no fee for the quotes, the comparing, or the help after. You pay your premium, the same as you would buying direct.
Common questions
Before you call.
What is an independent insurance agency?
An agency that works with several insurance companies instead of just one. That lets us compare coverage and price for you, and move you to a better fit at renewal if one comes along.
What can Everhold quote?
Homeowners, condo, and renters insurance; personal auto; umbrella; flood; general liability, business owner's policies, workers compensation, commercial property, and commercial auto; trucking; and insurance for rental, vacant, and renovation properties.
Do you insure truckers and new authorities?
Yes. We quote auto liability, motor truck cargo, and physical damage for trucking companies, and handle the filings your authority needs. Newer authorities are welcome; every quote is subject to underwriting.
What do I need to get a quote?
Your current declarations page if you have one. If not, the basics: who and what you want insured, and when your current policy renews. We'll ask the rest on a short call.
How fast will I hear back?
Within four business hours, Monday to Friday. Call or text (602) 853-6358 anytime.
What areas do you serve?
All of Arizona.
Ready when you are
See what your options look like.
Send what you have and we'll shop it. No cost, and nothing changes until you decide.
Prefer to talk to a real person? We reply within four business hours.