Eversure Insurance
Eversure Insurance is a family-owned independent insurance agency in Daphne, Alabama, distributing personal and commercial policies through 15+ carriers to individuals, families, and small businesses across Baldwin County and Southeast Alabama via a commission-based, relationship-led model.
- Company typePrivate
- Founded2015
- HeadquartersDaphne, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Eversure Insurance does
Eversure Insurance is a privately held, family-owned independent insurance agency headquartered in Daphne, Alabama, serving individuals, families, and small-to-medium businesses across Baldwin County and surrounding Southeast Alabama communities. Founded by Tyler Horton in approximately 2015 after five years as an Allstate agent, the agency operates as an independent intermediary placing policies with more than 15 insurance carriers including Allstate, Progressive, Safeco, Foremost, Hagerty, Travelers, Nationwide/Scottsdale, Philadelphia American, National General, Aflac, Geovera, American Modern, Next Insurance, OneShare Health, and the federal National Flood Insurance Program. The Horton family's tenure in independent insurance spans 35 years under Terry Horton, providing reputational continuity.
The agency distributes 13 personal insurance lines (auto, health, home, life, personal umbrella, flood, renters, mobile home, motorcycle, ATV/UTV, boat, RV/camper, and classic car) and 6 commercial insurance lines (commercial auto, contractors, business liability, commercial property, landlord, and commercial flood). The technical stack is non-proprietary: customer-facing tooling is delivered through a white-label Insurance Agent App mobile and web portal, with appointment scheduling via Microsoft Outlook Office 365 and educational content distributed through branded podcasts on individual and group health insurance launched in 2022. No proprietary AI, automation, or underwriting technology is disclosed.
Eversure earns revenue exclusively through carrier commissions on policies sold and renewed, with no disclosed public pricing. Distribution relies on a sales-led, relationship-driven model combining phone, online quote forms, in-person consultations, referrals, and the mobile app. The company's differentiation rests on carrier breadth, long-term customer relationships (multiple testimonials reference 30+ years with the Horton family), proactive rate-shopping, and claims advocacy rather than on technology or scale advantages.
Eversure Insurance firmographics
Firmographics- Name
- Eversure Insurance
- Legal name
- Eversure Insurance
- Website
- https://geteversure.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Eversure Insurance is a family-owned independent insurance agency in Daphne, Alabama, distributing personal and commercial policies through 15+ carriers to individuals, families, and small businesses across Baldwin County and Southeast Alabama via a commission-based, relationship-led model.
- Ownership category
- akta.pro rank
Where Eversure Insurance is headquartered
LocationHeadquarters
- HQ city
- Daphne
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Eversure Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commissions: Eversure Insurance earns revenue through commissions paid by insurance carriers for policies sold and renewed. As an independent agency working with multiple carriers (Allstate, Progressive, Safeco, Foremost, Hagerty, Philadelphia American, National General Insurance, and 20+ others), they receive commissions on each policy placement and ongoing renewals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | NFIP Preferred Risk Flood Insurance starting at $179/year |
| Other | Monthly | Quote-based pricing for all insurance products |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
Eversure Insurance product offering
Product offeringCore offering
Eversure Insurance is an independent insurance agency that sells personal and commercial insurance policies on behalf of multiple carriers. The agency shops across 20+ insurance carriers (Allstate, Progressive, Safeco, Travelers, Foremost, Hagerty, Philadelphia American, National General, Aflac, and others) to place coverage for individuals, families, and small-to-medium businesses. Its revenue is earned through commissions paid by carriers on policy sales and renewals.
Product overview
Eversure Insurance is an independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products through multiple carrier partnerships. The personal insurance lineup includes 13 core products: Auto, Health, Home, Life, Personal Umbrella, Flood, Renters, Mobile Home, Motorcycle, ATV/UTV, Boat, RV/Camper, and Classic Car insurance. The commercial insurance portfolio covers 6 core products: Commercial Auto, Contractors, Business Liability, Commercial Property, Landlord, and Commercial Flood insurance. Customers access and manage policies through an Online Client Portal (Insurance Agent App) and a mobile application for iOS and Android. The agency also provides educational content through health insurance podcasts. As an independent agency, Eversure works with multiple insurance carriers including Allstate, Progressive, Safeco, Foremost, Hagerty, Travelers, and others to offer policy options across its product lines.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Personal auto insurance covering liability, collision, comprehensive, uninsured motorist protection, and medical payments to protect policyholders from out-of-pocket expenses after accidents.
- Health Insurance Health coverage including individual health plans (Ambetter Health, Philadelphia American), short-term medical (National General Insurance), dental/vision plans (Argus Dental & Vision, VSP Vision Care), group healthcare, and group employee benefits through Aflac.
- Home Insurance Homeowners insurance covering dwelling, other structures, personal possessions, loss of use, and medical payments to protect against fire, theft, water damage, and liability on the property.
- Life Insurance Life insurance including term life policies (10-20 year terms, convertible to whole life) and whole/universal life insurance with cash value accumulation and lifelong coverage.
- Personal Umbrella Insurance Liability insurance providing additional protection beyond home and auto policy limits, covering injuries, property damage, pet damage, and legal costs when standard coverage is exhausted.
- Flood Insurance Flood coverage through the National Flood Insurance Program (NFIP) for building and contents, with preferred risk policies starting at $179/year and a 30-day waiting period.
- Renters Insurance Coverage for renters protecting personal belongings, liability, guest medical protection, additional living expenses, and temporary housing against fire, theft, and injuries on the property.
- Mobile Home Insurance Insurance for mobile homes covering hazards like fire, theft, water damage, and accidents, with optional coverage for trampolines, swimming pools, wind damage, flood, and personal property replacement.
- Motorcycle Insurance Motorcycle coverage including bodily injury liability, collision, comprehensive, personal injury protection, property damage, uninsured/underinsured motorist coverage, with optional accessories, helmet, and roadside assistance coverage.
- ATV/UTV Insurance Off-road vehicle insurance covering liability, uninsured/underinsured motorists, comprehensive/collision, medical payments, and accessories, with add-ons for additional liability, total loss replacement, carried contents, and roadside assistance.
- Boat Insurance Watercraft insurance covering personal liability, boat, motor, trailer, medical, and physical damage perils for boats, jet skis, and other watercraft.
- RV & Camper Insurance Recreational vehicle insurance covering Class A, B, C motorhomes, fifth-wheel trailers, toy haulers, horse trailers, and pop-up campers with options for full-time coverage, seasonal coverage, camper liability, roadside assistance, and total loss coverage.
- Classic Car Insurance Specialized insurance for antique (25+ years), classic (10+ years with historical interest), modified collector cars, reproductions, replicas, and restorations, covering full collectible value with limited-use and secured-storage requirements.
- Commercial Auto Insurance Business vehicle insurance covering liability, physical damage, hired auto physical damage, lease/loan gap coverage, and electronic equipment for company fleets and employee-driven vehicles.
- Contractors Insurance Commercial insurance for construction trades including carpenters, plumbers, handymen, electricians, masons, security companies, home builders, developers, and welders, covering property in transit, workers compensation, commercial vehicles, and errors and omissions.
- Business Liability Insurance Coverage for legal fees, court costs, and damage awards related to bodily injury, property damage, product liability, libel, and slander claims against the business.
Quantifiable outcome
- Customer testimonial reported saving over $2,000 per year on mobile home insurance by switching to Eversure
- +1 more outcomes
Companies that use Eversure Insurance
Customer profileSegments2 records
Ideal customer profiles2 records
Eversure Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Eversure Insurance partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- National Flood Insurance Program (NFIP)coreEversure Insurance offers flood insurance through the NFIP, a federal program administered by FEMA. NFIP provides affordable flood coverage to property owners. Preferred risk policies start at $179/year with a 30-day waiting period before coverage begins.
- AllstatecoreAllstate Insurance carrier partnership providing personal insurance products including auto, home, and other personal lines coverage.
- Progressive InsurancecoreProgressive Insurance partnership through Progressive's agency distribution channels including ASI/Progressive Home Advantage for home insurance products.
- Philadelphia AmericancorePhiladelphia American Life Insurance Company providing individual health plans, dental/vision coverage, and other health-related insurance products.
- National General InsurancecoreNational General Insurance (NGIC) providing short-term medical insurance and other personal insurance products including short-term major medical coverage.
- SafecocoreSafeco Insurance carrier providing personal insurance products through independent agents.
- Hagerty InsurancecoreHagerty Insurance specializing in classic and collector car insurance for antique, vintage, and specialty automobiles.
- Foremost InsurancecoreForemost Insurance Group providing specialty insurance products including mobile home, motorhome, and specialty vehicle coverage.
- Geovera Specialty Insurance Co.coreGeovera providing specialty home insurance through Coastal Select and Geovera Specialty Insurance Co. brands.
- American ModerncoreAmerican Modern Insurance Group providing specialty insurance products for manufactured homes, motorcycles, and other recreational vehicles.
- AIUAminorAmerican Insurance Underwriters Agency providing specialty insurance products and flood coverage.
- TravelerscoreTravelers Insurance, one of the largest property casualty insurers, providing commercial and personal insurance products.
- AflaccoreAflac providing group employee benefits including hospital indemnity, accident, critical illness, and specified disease coverage supplemental to major medical insurance.
- OneShare HealthminorOneShare Health providing health care sharing ministry membership for individuals and families seeking alternative health coverage.
- Next InsuranceminorNext Insurance providing digital-based small business insurance products including contractors coverage.
- Nationwide (Scottsdale)coreNationwide Insurance through Scottsdale Insurance Company providing commercial and personal insurance coverage.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
Eversure Insurance competitors and assessment
Company assessmentBroad incumbents
- GEICO: Major direct-to-consumer auto and home insurer whose digital and call-center model directly competes with independent agencies like Eversure for personal-lines price-sensitive shoppers in Alabama.
- Allstate: Large national personal-lines carrier that both offers direct channels and appoints independent agents such as Eversure. Counts as a channel competitor (direct) and a partner simultaneously, making it the most structurally comparable large peer.
- Brown & Brown: Large publicly traded insurance brokerage built largely through aggregating independent agencies. Directly comparable business model — commissions from multiple carriers across personal and commercial lines — at vastly greater scale.
- HUB International: One of the largest North American insurance brokerage and advisory firms with a network of independent agency offices. Comparable as a scaled counterpart to Eversure's independent-agency, multi-carrier distribution model, but operating nationally and serving mid-market and commercial clients.
- State Farm: Largest U.S. personal lines insurer, distributing primarily through captive agents. Competes head-to-head with Eversure for auto, home, and life customers in Baldwin County, but through an exclusive-agent rather than independent-agency model.
- Progressive: National auto and home carrier that both sells direct and partners with independent agencies (Eversure is an ASI/Progressive Home Advantage agency). Mirror competitor / partner relationship with Eversure across personal lines.
- Arthur J. Gallagher & Co. Major global insurance brokerage placing personal, commercial, and specialty coverage through independent agents and direct channels. Comparable multi-carrier, commission-based distribution architecture.
- NFP Corp. Insurance brokerage and advisory firm serving commercial and personal lines through acquired independent agencies. Shares Eversure's intermediary/multi-carrier model at enterprise scale and across many verticals.
Emerging players
- Next Insurance: Digital small-business insurance carrier that Eversure partners with but also competes against for contractors' and SMB commercial accounts in Baldwin County, using a fully online application and underwriting flow.
- Lemonade: Digital-first insurtech selling renters, home, auto, pet, and life coverage directly through a mobile app. Represents the emerging direct-to-consumer threat to the independent agency value proposition Eversure relies on.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Eversure Insurance social profiles
Digital presenceEversure Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Eversure Insurance leadership team
Management profileNumber of profiles
Profiles4 records
Eversure Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Eversure Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Eversure Insurance
What does Eversure Insurance do?
Eversure Insurance is an independent insurance agency that sells personal and commercial insurance policies on behalf of multiple carriers. The agency shops across 20+ insurance carriers (Allstate, Progressive, Safeco, Travelers, Foremost, Hagerty, Philadelphia American, National General, Aflac, and others) to place coverage for individuals, families, and small-to-medium businesses. Its revenue is earned through commissions paid by carriers on policy sales and renewals.
Is Eversure Insurance a public or private company?
Eversure Insurance is a private company. It is classified as family owned and is currently operating.
When was Eversure Insurance founded?
Eversure Insurance was founded in 2015. It employs 11 to 50 people.
Where is Eversure Insurance based?
Eversure Insurance is headquartered in Daphne, United States, in the North America region.
How does Eversure Insurance make money?
One revenue line is on record: insurance Commissions.
Who are Eversure Insurance's main competitors?
Broad incumbents on record are GEICO, Allstate, Brown & Brown, HUB International, State Farm, Progressive, Arthur J. Gallagher & Co. and NFP Corp.. Emerging players are Next Insurance and Lemonade.
Does Eversure Insurance have an API?
No public API is recorded for Eversure Insurance.