June 5, 2025

Premium Lock Customer Success Stories

At Eventual, we built Premium Lock to bring predictability back to property insurance. Whether you're a homeowner or a commercial real estate investor, rising premiums have made it harder to plan for the future. Premium Lock gives customers a simple way to protect themselves by locking in insurance predictability for the long term. Don’t just take our word for it; see below for feedback from real Premium Lock customers across the US.


Let’s start with Amy, a condo owner in coastal Fernandina Beach, Florida.

“Premium Lock was a no-brainer after my neighbors mentioned their insurance rates shot up last month. I’m protected for years to come.”

Amy’s decision came after seeing the problem firsthand. When her neighbors’ insurance bills dramatically increased, she wanted to avoid the same fate, and Premium Lock was the simple solution. Premium Lock continues to provide her and her family with long-term insurance pricing predictability, and a reason to stop worrying when renewal season comes around. Importantly, Amy was able to keep her existing insurance carrier and agent, so Premium Lock didn’t disrupt any of her existing coverage. Instead, it just improved the insurance she already knew and trusted.


Florida isn’t the only state seeing large insurance rate increases. Habib is a Premium Lock customer for his home in Nashville, Tennessee.

“I’m seeing news about 30, 40% insurance rate increases, so Premium Lock seemed like an obvious choice for my home.”

Habib took action after reading headlines about steep insurance hikes in his state. With Premium Lock, he felt empowered to protect his home from financial uncertainty. In a world where climate change and inflation are driving unpredictable insurance rate increases, Habib made a proactive choice, and now knows what he’ll pay to insure his home in the years ahead.


Coastal and sunbelt states aren’t the only geographies facing insurance pressures. Joe bought Premium Lock for his home in Larchmont, New York.

“Premium Lock gives me confidence that my homeowners insurance will remain affordable for the long-term.”

While New York might not seem like an obvious place for insurance stress, it certainly is. In fact, insurance carriers have been observed to raise rates in lower-risk states as a result of losses in higher-risk states. This is especially true for carriers that have exposure in a variety of US regions. For Joe, he no longer worries about surprise premium spikes. It’s not just about savings, but rather about stability. For the coming years, his home budget won't be upended by forces outside his control.


Premium Lock is a great fit for homeowners, but it also works for landlord policies. Yoon added Premium Lock across his portfolio of rental housing in New Haven, Connecticut.

“I wanted protection against my carrier unexpectedly raising my rates. Premium Lock was the solution.”

Yoon knows that sudden insurance increases can erode cash flow and make future operating budgets less predictable. Rather than quoting on Eventual’s website, Yoon emailed his declarations pages and statements of values directly to contact@eventualclimate.com and received a Premium Lock quote later that week. With Premium Lock, Yoon can project insurance costs across multiple years and stabilize returns for his properties and investors.


Insurance volatility isn’t just a headline, but rather a financial reality that’s hitting real estate owners across the country. Premium Lock exists to make this problem a lot less painful. Our customers span geographies, property types, and income levels, but they all share one thing: a desire for control in an insurance market that’s anything but stable.

To learn more about Premium Lock, or to see if it's a fit for your home or real estate portfolio, visit eventualclimate.com to get a quote or book a demo.