The 3-Year Price Guarantee for Home Insurance
The 3-Year Price Guarantee for Home Insurance
Sold Exclusively by Independent Insurance Agents
1,000+
Agents Appointed
Agents Trust
Premium Lock
5X
Greater Payout Likelihood vs Home Insurance¹
Greater Payout Likelihood vs Home Insurance¹
50
State Availability
State Availability
We Reimburse Homeowners If Their Insurance Gets Too Expensive
We Reimburse Homeowners If Their Insurance Gets Too Expensive
Sell Premium Lock® Guarantee
Sell Premium Lock® Guarantee
Carrier Raises
Premiums
Carrier Raises
Premiums
Homeowner Gets
Reimbursed
Homeowner Gets
Reimbursed
Homeowners Love Premium Lock
"My rates kept going up and up and enough is enough. I changed carriers and added the 3-year Premium Lock, which makes it even better now."
“With Premium Lock, my insurance can go on autopilot, even when rates are going up. I don’t have to re-shop for home insurance every year.”
"My insurance has gone up over the last few years so a 3-year rate lock is exactly what I needed."
"We get hit with tornadoes constantly here, so my risk of increases feels high. I'm not usually someone who buys additional products like this, but Premium Lock was worth it. It's nice knowing it's there."
"Our carrier constantly changes prices and coverage. You never know what's they’ll do next, so Premium Lock gives us real peace of mind."
"I got Premium Lock, now I don't have to think about my insurance for quite a while."
"My home insurance had been climbing, and locking the rate for three years is a nice long stretch. It made sense not to think about insurance for a while."
"As a 75-year-old homeowner, I don't like surprises on my insurance rates. The rate lock was affordable and gives me the peace of mind I want, so we went ahead, and we're glad we did."
"My rates kept going up and up and enough is enough. I changed carriers and added the 3-year Premium Lock, which makes it even better now."
“With Premium Lock, my insurance can go on autopilot, even when rates are going up. I don’t have to re-shop for home insurance every year.”
"My insurance has gone up over the last few years so a 3-year rate lock is exactly what I needed."
"We get hit with tornadoes constantly here, so my risk of increases feels high. I'm not usually someone who buys additional products like this, but Premium Lock was worth it. It's nice knowing it's there."
"Our carrier constantly changes prices and coverage. You never know what's they’ll do next, so Premium Lock gives us real peace of mind."
"I got Premium Lock, now I don't have to think about my insurance for quite a while."
"My home insurance had been climbing, and locking the rate for three years is a nice long stretch. It made sense not to think about insurance for a while."
"As a 75-year-old homeowner, I don't like surprises on my insurance rates. The rate lock was affordable and gives me the peace of mind I want, so we went ahead, and we're glad we did."
"With all the storms around here, a 3-year price guarantee is exactly what I needed."
"When insurance jumps, your escrow climbs, and people already stretched on their mortgage start stressing. We're blessed to have a multi-year rate lock."
“Was very excited to see that my payout was met and that my rates won’t increase.”
"As a first-time homeowner, I definitely don't want my insurance climbing in the future. Locking it in now could save me real money down the road.”
“Payout received, so far I am liking Premium Lock a lot."
"With everything going up these days, having my premium locked for three years is awesome."
"At my age, I’m tired of shopping for cheaper insurance every year. Premium Lock means I get to stop thinking about insurance and enjoy my life instead."
"We're retiring to Arizona. Getting Premium Lock is worth it and we’d do it again."
"With all the storms around here, a 3-year price guarantee is exactly what I needed."
"When insurance jumps, your escrow climbs, and people already stretched on their mortgage start stressing. We're blessed to have a multi-year rate lock."
“Was very excited to see that my payout was met and that my rates won’t increase.”
"As a first-time homeowner, I definitely don't want my insurance climbing in the future. Locking it in now could save me real money down the road.”
“Payout received, so far I am liking Premium Lock a lot."
"With everything going up these days, having my premium locked for three years is awesome."
"At my age, I’m tired of shopping for cheaper insurance every year. Premium Lock means I get to stop thinking about insurance and enjoy my life instead."
"We're retiring to Arizona. Getting Premium Lock is worth it and we’d do it again."
"I was switched carriers and it made sense to keep that attractive rate with Premium Lock before it had a chance to climb."
"My insurance went from $2,800 to $4,400. Knowing that won’t happen to me again means real savings.”
"In my last home, my rate climbed from $1,000 to $1,500 a month in just three years. Now I don't have to worry about it."
"My insurance had jumped about $300. I got a better, cheaper rate, and I'm excited the 3-year rate lock keeps it from climbing again."
"I'd been overpaying without realizing it, so I switched carriers and then added Premium Lock to make sure it stays put in the future."
"As an investor, Premium Lock lets me underwrite a more predictable insurance for the next few years, which matters when rising insurance and taxes squeeze margins and rents aren’t growing as fast as they used to."
"If my rate goes up over the next three years, they refund the difference—and I could save some money."
Recieved a $225 Payout!
"I was switched carriers and it made sense to keep that attractive rate with Premium Lock before it had a chance to climb."
"My insurance went from $2,800 to $4,400. Knowing that won’t happen to me again means real savings.”
"In my last home, my rate climbed from $1,000 to $1,500 a month in just three years. Now I don't have to worry about it."
"My insurance had jumped about $300. I got a better, cheaper rate, and I'm excited the 3-year rate lock keeps it from climbing again."
"I'd been overpaying without realizing it, so I switched carriers and then added Premium Lock to make sure it stays put in the future."
"As an investor, Premium Lock lets me underwrite a more predictable insurance for the next few years, which matters when rising insurance and taxes squeeze margins and rents aren’t growing as fast as they used to."
"If my rate goes up over the next three years, they refund the difference—and I could save some money."
Recieved a $225 Payout!
"My rates kept going up and up and enough is enough. I changed carriers and added the 3-year Premium Lock, which makes it even better now."
"I was switched carriers and it made sense to keep that attractive rate with Premium Lock before it had a chance to climb."
"When insurance jumps, your escrow climbs, and people already stretched on their mortgage start stressing. We're blessed to have a multi-year rate lock."
"My insurance has gone up over the last few years so a 3-year rate lock is exactly what I needed."
"In my last home, my rate climbed from $1,000 to $1,500 a month in just three years. Now I don't have to worry about it."
"As a first-time homeowner, I definitely don't want my insurance climbing in the future. Locking it in now could save me real money down the road.”
"Our carrier constantly changes prices and coverage. You never know what's they’ll do next, so Premium Lock gives us real peace of mind."
"I'd been overpaying without realizing it, so I switched carriers and then added Premium Lock to make sure it stays put in the future."
"With everything going up these days, having my premium locked for three years is awesome."
"My home insurance had been climbing, and locking the rate for three years is a nice long stretch. It made sense not to think about insurance for a while."
"If my rate goes up over the next three years, they refund the difference—and I could save some money."
"We're retiring to Arizona. Getting Premium Lock is worth it and we’d do it again."
"My rates kept going up and up and enough is enough. I changed carriers and added the 3-year Premium Lock, which makes it even better now."
"I was switched carriers and it made sense to keep that attractive rate with Premium Lock before it had a chance to climb."
"When insurance jumps, your escrow climbs, and people already stretched on their mortgage start stressing. We're blessed to have a multi-year rate lock."
"My insurance has gone up over the last few years so a 3-year rate lock is exactly what I needed."
"In my last home, my rate climbed from $1,000 to $1,500 a month in just three years. Now I don't have to worry about it."
"As a first-time homeowner, I definitely don't want my insurance climbing in the future. Locking it in now could save me real money down the road.”
"Our carrier constantly changes prices and coverage. You never know what's they’ll do next, so Premium Lock gives us real peace of mind."
"I'd been overpaying without realizing it, so I switched carriers and then added Premium Lock to make sure it stays put in the future."
"With everything going up these days, having my premium locked for three years is awesome."
"My home insurance had been climbing, and locking the rate for three years is a nice long stretch. It made sense not to think about insurance for a while."
"If my rate goes up over the next three years, they refund the difference—and I could save some money."
"We're retiring to Arizona. Getting Premium Lock is worth it and we’d do it again."
"With all the storms around here, a 3-year price guarantee is exactly what I needed."
“With Premium Lock, my insurance can go on autopilot, even when rates are going up. I don’t have to re-shop for home insurance every year.”
"My insurance went from $2,800 to $4,400. Knowing that won’t happen to me again means real savings.”
“Was very excited to see that my payout was met and that my rates won’t increase.”
"We get hit with tornadoes constantly here, so my risk of increases feels high. I'm not usually someone who buys additional products like this, but Premium Lock was worth it. It's nice knowing it's there."
"My insurance had jumped about $300. I got a better, cheaper rate, and I'm excited the 3-year rate lock keeps it from climbing again."
“Payout received, so far I am liking Premium Lock a lot."
"I got Premium Lock, now I don't have to think about my insurance for quite a while."
"As an investor, Premium Lock lets me underwrite a more predictable insurance for the next few years, which matters when rising insurance and taxes squeeze margins and rents aren’t growing as fast as they used to."
"At my age, I’m tired of shopping for cheaper insurance every year. Premium Lock means I get to stop thinking about insurance and enjoy my life instead."
"As a 75-year-old homeowner, I don't like surprises on my insurance rates. The rate lock was affordable and gives me the peace of mind I want, so we went ahead, and we're glad we did."
Recieved a $225 Payout!
"With all the storms around here, a 3-year price guarantee is exactly what I needed."
“With Premium Lock, my insurance can go on autopilot, even when rates are going up. I don’t have to re-shop for home insurance every year.”
"My insurance went from $2,800 to $4,400. Knowing that won’t happen to me again means real savings.”
“Was very excited to see that my payout was met and that my rates won’t increase.”
"We get hit with tornadoes constantly here, so my risk of increases feels high. I'm not usually someone who buys additional products like this, but Premium Lock was worth it. It's nice knowing it's there."
"My insurance had jumped about $300. I got a better, cheaper rate, and I'm excited the 3-year rate lock keeps it from climbing again."
“Payout received, so far I am liking Premium Lock a lot."
"I got Premium Lock, now I don't have to think about my insurance for quite a while."
"As an investor, Premium Lock lets me underwrite a more predictable insurance for the next few years, which matters when rising insurance and taxes squeeze margins and rents aren’t growing as fast as they used to."
"At my age, I’m tired of shopping for cheaper insurance every year. Premium Lock means I get to stop thinking about insurance and enjoy my life instead."
"As a 75-year-old homeowner, I don't like surprises on my insurance rates. The rate lock was affordable and gives me the peace of mind I want, so we went ahead, and we're glad we did."
Recieved a $225 Payout!
"My rates kept going up and up and enough is enough. I changed carriers and added the 3-year Premium Lock, which makes it even better now."
"With all the storms around here, a 3-year price guarantee is exactly what I needed."
"I was switched carriers and it made sense to keep that attractive rate with Premium Lock before it had a chance to climb."
“With Premium Lock, my insurance can go on autopilot, even when rates are going up. I don’t have to re-shop for home insurance every year.”
"When insurance jumps, your escrow climbs, and people already stretched on their mortgage start stressing. We're blessed to have a multi-year rate lock."
"My insurance went from $2,800 to $4,400. Knowing that won’t happen to me again means real savings.”
"My insurance has gone up over the last few years so a 3-year rate lock is exactly what I needed."
“Was very excited to see that my payout was met and that my rates won’t increase.”
"In my last home, my rate climbed from $1,000 to $1,500 a month in just three years. Now I don't have to worry about it."
"We get hit with tornadoes constantly here, so my risk of increases feels high. I'm not usually someone who buys additional products like this, but Premium Lock was worth it. It's nice knowing it's there."
"As a first-time homeowner, I definitely don't want my insurance climbing in the future. Locking it in now could save me real money down the road.”
"My insurance had jumped about $300. I got a better, cheaper rate, and I'm excited the 3-year rate lock keeps it from climbing again."
"Our carrier constantly changes prices and coverage. You never know what's they’ll do next, so Premium Lock gives us real peace of mind."
“Payout received, so far I am liking Premium Lock a lot."
"I'd been overpaying without realizing it, so I switched carriers and then added Premium Lock to make sure it stays put in the future."
"I got Premium Lock, now I don't have to think about my insurance for quite a while."
"With everything going up these days, having my premium locked for three years is awesome."
"As an investor, Premium Lock lets me underwrite a more predictable insurance for the next few years, which matters when rising insurance and taxes squeeze margins and rents aren’t growing as fast as they used to."
"My home insurance had been climbing, and locking the rate for three years is a nice long stretch. It made sense not to think about insurance for a while."
"At my age, I’m tired of shopping for cheaper insurance every year. Premium Lock means I get to stop thinking about insurance and enjoy my life instead."
"If my rate goes up over the next three years, they refund the difference—and I could save some money."
"As a 75-year-old homeowner, I don't like surprises on my insurance rates. The rate lock was affordable and gives me the peace of mind I want, so we went ahead, and we're glad we did."
"We're retiring to Arizona. Getting Premium Lock is worth it and we’d do it again."
Recieved a $225 Payout!
"My rates kept going up and up and enough is enough. I changed carriers and added the 3-year Premium Lock, which makes it even better now."
"With all the storms around here, a 3-year price guarantee is exactly what I needed."
"I was switched carriers and it made sense to keep that attractive rate with Premium Lock before it had a chance to climb."
“With Premium Lock, my insurance can go on autopilot, even when rates are going up. I don’t have to re-shop for home insurance every year.”
"When insurance jumps, your escrow climbs, and people already stretched on their mortgage start stressing. We're blessed to have a multi-year rate lock."
"My insurance went from $2,800 to $4,400. Knowing that won’t happen to me again means real savings.”
"My insurance has gone up over the last few years so a 3-year rate lock is exactly what I needed."
“Was very excited to see that my payout was met and that my rates won’t increase.”
"In my last home, my rate climbed from $1,000 to $1,500 a month in just three years. Now I don't have to worry about it."
"We get hit with tornadoes constantly here, so my risk of increases feels high. I'm not usually someone who buys additional products like this, but Premium Lock was worth it. It's nice knowing it's there."
"As a first-time homeowner, I definitely don't want my insurance climbing in the future. Locking it in now could save me real money down the road.”
"My insurance had jumped about $300. I got a better, cheaper rate, and I'm excited the 3-year rate lock keeps it from climbing again."
"Our carrier constantly changes prices and coverage. You never know what's they’ll do next, so Premium Lock gives us real peace of mind."
“Payout received, so far I am liking Premium Lock a lot."
"I'd been overpaying without realizing it, so I switched carriers and then added Premium Lock to make sure it stays put in the future."
"I got Premium Lock, now I don't have to think about my insurance for quite a while."
"With everything going up these days, having my premium locked for three years is awesome."
"As an investor, Premium Lock lets me underwrite a more predictable insurance for the next few years, which matters when rising insurance and taxes squeeze margins and rents aren’t growing as fast as they used to."
"My home insurance had been climbing, and locking the rate for three years is a nice long stretch. It made sense not to think about insurance for a while."
"At my age, I’m tired of shopping for cheaper insurance every year. Premium Lock means I get to stop thinking about insurance and enjoy my life instead."
"If my rate goes up over the next three years, they refund the difference—and I could save some money."
"As a 75-year-old homeowner, I don't like surprises on my insurance rates. The rate lock was affordable and gives me the peace of mind I want, so we went ahead, and we're glad we did."
"We're retiring to Arizona. Getting Premium Lock is worth it and we’d do it again."
Recieved a $225 Payout!
"Premium Lock has been a game changer for our agency."
Village Insurance
Village Insurance
"Premium Lock gives us a nice retention boost."
Tracy Cates
Arkansas Federal Credit Union
"We see real time savings when we don't need to re-shop Premium Lock clients."
Danny Betcher
Pack Insurance
"Premium Lock allows us to bring predictability to our clients over their next three renewals."
Ryan Bachman
Village Insurance
"We get helpful commissions from Premium Lock rewards."
Luther Watts
Johnston Agency Inc.
Frequently Asked Questions
What is Premium Lock® Guarantee?
We predict how carriers will change their prices in the future and guarantee the accuracy of our predictions. If premiums rise above our forecast, we pay the homeowner the difference. We don’t interact with the homeowner’s insurance carrier.
When do payouts happen?
We reimburse homeowners for any premiums that exceed the Payout Threshold. This threshold varies by address and represents our forecast of that property’s insurance premiums over the next three years.
What happens if my client switches carriers or files a claim?
Homeowners can take Premium Lock from carrier to carrier as long as the policy remains on admitted lines and the coverage form is not upgraded. Premium Lock will still pay if premiums exceed the Payout Threshold due to claims, carrier rate increases, or coverage increases required by the carrier. The Payout Threshold will reset if the homeowner intentionally increases premiums, such as lowering deductibles or upgrading coverage (for example ACV → Replacement Cost or adding major endorsements).
How do I get paid as an agent?
Agents set their own commissions, which are added to the homeowner’s Premium Lock fee. The fee can be paid monthly or annually. Agents also earn personal rewards, which can be redeemed for cash.
When does a homeowner receive a payout?
Payouts are triggered by insurance Declarations pages, which serve as our source of truth and are uploaded annually by the agent. If premiums exceed the Payout Threshold, we notify the homeowner by email and pay them via ACH.
Who is eligible for Premium Lock® Guarantee?
Premium Lock is available in all 50 U.S. states and works with admitted-lines homeowners policies, including HO and DP forms. Premium Lock is not eligible for Excess & Surplus lines, state insurers of last resort, auto, renters, or flood policies.
What are my responsibilities as the agent?
Agents are responsible for selling Premium Lock and uploading Declarations pages annually. Quoting takes about 30 seconds, and Premium Lock can be offered to new homeowner clients, mid-term, or during annual policy reviews.
How does Eventual make money?
Eventual charges homeowners a recurring fee, which can be paid monthly or annually.
Featured Topics
See all posts
Eventual Raises $7.5m To Fix Real Estate Insurance Chaos
Today, Eventual announces $7.5m in funding and the launch of Premium Lock™ Guarantee—the first and only product offering long-term insurance predictability for American real estate owners.
Announcing our Partnership with Canopy Connect
Premium Lock™ Guarantee can now be quoted in seconds using verified, pre-filled insurance data from from Canopy Connect, unlocking easy access for 20,000+ insurance agents.
Why is Insurance Getting So Expensive?
As we've outlined in prior publications, insurance premiums grew 10% annually from 2019-2024, outpacing home value appreciation (9% annually) and the consumer price index (4% annually) over the same period.
Get Appointed & Win More Customers With Premium Lock® Guarantee today.
Get Appointed & Win More Customers With Premium Lock® Guarantee today.