Basic
$49
per month · billed annually
- HO-3 style dwelling coverage
- $300,000 liability limit
- $1,000 standard deductible
- Term life rider optional
- Digital policy management
Pricing Plans
Illustrative monthly premiums for bundled personal lines. Final rates depend on location, limits, deductibles, and underwriting factors.
Best Value
Standard
$89
per month · billed annually
- Replacement cost on dwelling
- $500,000 liability limit
- Water backup endorsement
- Health outpatient enhancement
- Priority claims routing
- Multi-policy discount
Premium
$149
per month · billed annually
- Guaranteed replacement option
- $1M umbrella eligible
- Zero glass deductible auto add-on
- Executive disability income
- Dedicated account manager
Understanding Your Premium
Premiums reflect expected losses, reinsurance costs, administrative expenses, and regulatory fees. We file rates transparently and provide renewal notices that itemize changes when claims history, credit-based insurance scores (where permitted), or construction upgrades affect pricing.
Discounts You May Qualify For
- Protective devices: monitored alarm, fire sprinklers, smart leak detectors
- Claims-free loyalty credits after three renewal periods
- Annual pay-in-full reduction versus monthly installments
- Verified defensive driving or workplace safety programs
Payment Flexibility
Choose annual, semi-annual, or monthly installments via automatic withdrawal. Grace periods and reinstatement terms appear in your policy jacket; we send reminders before cancellation for non-payment when permitted by law.