The rehab gap
Your flip sits vacant mid rehab and the policy quietly lapses. Now you're uncovered during the riskiest window of the project.
The Free 2 Minute Portfolio Ledger
Send us your addresses. In 1 business day, see where your coverage falls short.
Two minutes to request. Every property, policy, carrier, and renewal date on one screen, with the gaps flagged, before you move a single policy. Because the wealth you're building should keep compounding, not reset to zero after one bad claim.
Addresses only to start. No cost, no obligation. Not ready yet? Take the 60 second Risk Score.
Everhold Insurance is an independent insurance agency in Arizona serving real estate investors and landlords. Founded by Gabe Schouten. Service area: all of Arizona.
The problem
Most agents don't shop your policies. You only hear from them when the bill goes up.
Your insurance is part of your wealth building system. Here is where it usually breaks.
Twelve renewal dates, zero visibility
Fifteen doors. Eleven carriers. Twelve renewal dates. Nobody is tracking all of it, so you find out when the bill arrives.
The 48 hour binder scramble
Your lender needs proof of insurance in 48 hours. Your agent takes three days to call back, and the closing slips.
Underinsured without knowing it
Your coverage was set years ago. Rebuilding costs moved. You find out you're short at claim time, which is the worst time to find out.
Ghosted at claim time
You file a claim and nobody calls back. You eat the deductible, then the rate increase at renewal.
The LLC mismatch
The LLC is on title. The policy is in your personal name. When it matters, the carrier can deny the claim.
Any one of these can undo years of compounding. We built Everhold so none of them happen to you.
The Portfolio Ledger
Your Policies at a Glance.
One screen for every property you own. Every policy, every carrier, every renewal date. Coverage compared to estimated replacement cost. The name on the policy checked against the entity on title. Gaps flagged before they cost you.
Send us your addresses and we'll build yours with your real properties. Free, before you move a single policy.
Property value$4,165,000
Est. replacement cost$3,360,000
Total coverage$3,330,000
Rebuild cost not covered$62,000
Next renewalNov 6 28 days
Annual premium $16,404
| Property | Status | Carrier & policy | Premium | Renews | Coverage vs. replacement | Entity | Flag |
|---|---|---|---|---|---|---|---|
| 2418 E Ocotillo Bluff DrGilbert · Single family | Rented | Carrier ALandlord (DP-3) | $1,684 | Mar 14, 2027 | $412k / $405k |
Matches | Covered |
| 731 N Mesquite Hollow StMesa · Fourplex | Rented | Carrier BLandlord package | $5,920 | Nov 6, 2026 | $1.05M / $1.04M |
Matches | Renewal in 28 days |
| 1509 W Desert Lark AvePhoenix · Single family | Rehab | Carrier CBuilder's risk | $2,140 | Jan 22, 2027 | $286k / $348k |
Matches | Coverage $62,000 below replacement cost |
| 3326 S Cholla Ridge WayChandler · Single family | Vacant | Carrier DVacant dwelling | $1,310 | Jun 3, 2027 | $372k / $372k |
Mismatch | Named insured doesn't match LLC on title |
| 908 E Agave Crest DrTempe · Duplex | Under Contract | Carrier ELandlord (DP-3) | $2,890 | Oct 24, 2027 | $690k / $690k |
Matches | Binder sent to lender |
| 4471 N Ironwood Vista PlScottsdale · Single family | Rented | Carrier FShort term rental | $2,460 | Aug 19, 2027 | $520k / $505k |
Matches | Covered |
Renewal protocol
731 N Mesquite Hollow St
renews Nov 6, 2026
- 90 daysEmail: renewal is comingSent Aug 8
- 60 daysEmail: what the market is doingSent Sep 7
- 30 daysCall: shopped options in hand3 options ready
- RenewalYou chooseNov 6
Get My Free Portfolio Ledger
Addresses only. Declaration pages help, but they're optional.
Our commitments
Speed is how we win the switch. Ease is who we are.
Your Ledger1 business day
Two minutes to request. Ready within 1 business day, or Gabe calls you personally and tells you why.
Replies withinfour business hours
Calls, texts, and emails. You won't chase us.
Renewal heads up90 days out
Every renewal, every year, so there's time to compare options before anything changes.
Communication
You always know who to call. You hear from us before problems, not after.
Ease
Send addresses, not paperwork. We do the digging, the comparing, and the follow up.
Proactive shopping
We shop multiple carriers at every renewal. You choose from real options instead of just accepting the increase.
Claims advocacy
When something happens, we stay with you through the claim. You don't get handed a phone number.
The 90/60/30 Renewal Protocol
Every policy, every year. Here's exactly what happens before each renewal.
-
90days out
An email
We let you know the renewal is coming, so it never sneaks up on you.
-
60days out
A market update
An email with what we're seeing in the insurance market right now, and what it means for your policy.
-
30days out
A phone call
With shopped policies already in hand. You pick from real options instead of accepting the increase.
Why we exist
Wealth is the means. Generous impact is the point.
Your Wealth, Protected. Your Impact, Multiplied.
We believe everyone can live with generous impact, and that building wealth is how you get there. Every property you add, every dollar of equity, is fuel for the people and causes you care about.
Insurance is the part of that system nobody thinks about until it fails. One fire, one lawsuit, one denied claim can undo years of work. Everhold exists to make sure that doesn't happen, so what you build keeps growing and keeps giving.
Coverage we help with
Home, auto, investment property, and business.
One agency for the things you own and the business you run. Explained in plain English.
Home and auto
- Home
- Protects the home you live in and your belongings, plus your liability if someone gets hurt there.
- Auto
- Liability, collision, and comprehensive coverage for the vehicles you drive.
- Umbrella
- Extra liability protection that sits on top of your home, auto, and property policies.
- Flood
- Standard policies exclude flood. This fills that hole.
Investment property
- Landlord / dwelling fire
- Insurance for a home you rent out. Covers the building and your liability as the owner.
- Vacant property
- For homes sitting empty between tenants or before a sale. Most regular policies limit coverage once a home is vacant.
- Builder's risk
- Covers a property while it's under renovation or construction.
- Short term rental
- Built for Airbnb and VRBO style rentals, where guests change every few nights.
Commercial
- Commercial property
- Covers the buildings, equipment, and inventory your business depends on.
- General liability
- Protects your business or LLC if someone is hurt or their property is damaged.
- Business owner's policy
- Property and liability bundled into one policy for small businesses.
Rehab to rental: we set up builder's risk or vacant coverage during the project, then convert it to landlord coverage when the property rents. No gap. All quotes and coverage are subject to underwriting and carrier approval.
What it costs
It costs you nothing extra.
The insurance carrier pays us a commission when you place a policy through Everhold. You don't pay us a fee for the shopping, the Portfolio Ledger, the renewal reviews, or the service. You pay your premium, the same as you would with any agent.
Questions investors ask
Straight answers.
Do I have to switch?
No. Your Ledger is free whether or not you ever move a policy to Everhold. If we find a better option at a renewal, you decide what to do with it.
Will this cancel anything?
No. Building your Ledger doesn't change, cancel, or create any coverage. Your policies stay exactly as they are until you decide otherwise.
What does it cost?
Nothing. The Ledger, the renewal reminders, and the reviews are free. If you later place a policy through Everhold, the carrier pays us a commission and you pay your premium, the same as with any agent.
Who sees my data?
You and the Everhold team. We use it to build your Ledger and serve you, and we don't sell it. Service providers that help us run the business, like hosting, email, and the AI that reads declaration pages, handle it only to help us. Details are in our Privacy Policy.
How long does it take?
About two minutes to send your addresses. Your Ledger is ready within 1 business day. We build up to 9 Ledgers a week; if this week's spots are claimed, yours is first in line the next week.
What is the Portfolio Ledger?
The Portfolio Ledger is a free, private page that shows every property you own with its policies, carriers, and renewal dates on one screen. It flags coverage below estimated rebuild cost, properties on the wrong kind of policy, and names that don't match the LLC on title.
Who is Everhold for?
Everhold is for real estate investors in Arizona, from one rental to a growing portfolio, and for their families and businesses. It's built around rentals, flips, short term rentals, and properties held in an LLC.
Is Everhold licensed yet?
Yes. Everhold Insurance is a licensed insurance agency in the State of Arizona. License # 3004512575.
What areas does Everhold serve?
Everhold serves real estate investors across all of Arizona. The free Portfolio Ledger and quotes are available for Arizona properties.
What is the 90/60/30 Renewal Protocol?
It's Everhold's routine before every renewal: an email at 90 days, a market update at 60 days, and a call at 30 days. The call comes with shopped options in hand, so you choose instead of accepting an increase.
What is an LLC mismatch on an insurance policy?
An LLC mismatch is when the name on your insurance policy doesn't match the owner on title, like an LLC that owns the home while the policy names you. It can complicate a claim, so the named insured should match the title. Our free LLC Mismatch Check compares the two for any Maricopa County address.
The Free 2 Minute Portfolio Ledger for Arizona Investors
Two minutes to request. Ready within 1 business day.
We build it with your actual properties on it, free, before you move a single policy. Five checks come with every Ledger:
- The Entity Match CheckThe name on each policy checked against the LLC on title.
- The Replacement Cost CheckYour coverage compared to today's estimated rebuild cost, with the rebuild cost not covered in dollars.
- The Renewal CalendarEvery renewal date on one screen, with 90/60/30 reminders before each one.
- The Lender Binder Fast LaneProof of insurance sent to your lender as soon as the carrier approves it.
- The Rehab to Rental PlanBuilder's risk or vacant coverage that converts to landlord coverage with no gap.
Our promise: if your Ledger isn't ready within 1 business day, Gabe calls you personally and tells you why.
Building your Ledger does not change, cancel, or create any coverage. You stay in control of every policy.
Prefer to talk to a real person? We reply within four business hours.