Home Insurance
Home Insurance in NJ, NY, CT, PA and Other States
Your home is one of your most valuable investments. At Everett Insurance, we help you protect it with customizable homeowners insurance. Serving New Jersey, New York, Connecticut, Pennsylvania, Nevada, and other states, our independent agency partners with top insurers to ensure the right coverage for your home.
HO-3
This standard homeowners insurance plan protects your home and belongings from most risks, except for exclusions like flooding and earthquakes.
HO-4
This homeowners policy is for renters, providing coverage for personal possessions. It protects a renter’s personal property, but does not cover the rental property itself.
HO-5
Like the HO-3, the HO-5 policy provides homeowners coverage, but with broader protection. The property must qualify under specific criteria.
HO-6
This is condo insurance. It covers the condo owner’s personal property and the structure of their individual unit.
What Homeowners Insurance Add-Ons That Will Further Protect You?
Depending on your situation, there are insurance add-ons that can help protect you from the financial impact of unforeseen disasters.
If you live in a designated flood zone, such as near a coast or river, flood insurance is highly recommended—especially if your property includes a swimming pool. Similarly, if you reside in an earthquake-prone area, earthquake coverage may be a smart addition.
Many standard policies do not cover damage caused by sewer backups or drain issues. Everett Insurance offers this add-on to provide extra peace of mind for our clients.
For valuable items such as fine art, jewelry, or collectibles, special coverage is available. Standard homeowners insurance often has low limits for high-value possessions, so additional protection ensures your treasures are fully covered.
Finally, an umbrella liability policy can protect you from major financial risk. Owning a swimming pool, luxury vehicle, waterfront property, or boat can increase your exposure to lawsuits. Umbrella insurance helps safeguard your assets beyond the limits of a standard homeowners policy.
What Does An Homeowners Insurance Policy Cover?
Standard homeowners insurance policies protect your home and the property inside, including clothing, furniture, jewelry, and more. In the event of a disaster, such as a fire, your policy will cover the cost to rebuild your home and replace your possessions. It also provides liability protection if you cause damage to someone else’s property. Everett Insurance policies are written on a replacement cost basis, meaning they cover rebuilding or replacing items without deductions for depreciation.
It’s important to understand that standard homeowners insurance does not cover damages from flooding, sewer backups, mold, earthquakes, or termites. It also does not provide protection if someone is injured in your swimming pool or on a trampoline. These situations require additional coverage, which isn’t always included in standard policies.
Everett Insurance offers additional add-ons for sewer and drain backups, earthquake insurance, and umbrella liability, giving you tailored protection for your needs. Flood insurance is also available as a separate policy to ensure your home and belongings are fully covered.
We’ll Help You Find the Homeowners Insurance That Fits Your Needs
We understand you want coverage that fits your needs at a fair price. Everett Insurance partners with premier insurance providers, including Chubb, Plymouth Rock, Travelers, and The Andover Companies, to offer the best options for our clients.
As an independent agency, we can provide policies from a wide range of top insurers, including Baystate, Cumberland, Farmers, Federal, Fidelity National, Fitchburg, FMI (Franklin Mutual), Foremost, Great Northern, Lemonade, Merrimack, Narragansett Bay Insurance, Nat Gen, N&D (Norfolk and Dedham), Progressive, Stillwater, The Philadelphia Contributionship, Typ Tap, and many others.
We work with trusted companies to help you find a homeowners insurance plan that meets your needs and provides peace of mind.
Get a Quote Today
When it comes to protecting your property, it’s always best to be prepared. Homeowners across New Jersey, New York, Connecticut, Pennsylvania, Nevada, and other states can rely on Everett Insurance to provide comprehensive homeowners insurance designed to safeguard what matters most.
By reviewing your unique needs and financial goals, our team develops personalized, high-quality policies that offer the right level of protection at a price that fits your budget. We also identify bundling opportunities and available discounts to help you maximize your savings.
For more details about our home insurance options or the carriers we partner with, contact Everett Insurance today or request a quote online to get started.