"Premium Lock paid me $1,300. It has helped my family through a tough period. I am going to use these savings wisely. I am very thankful and glad my agent recommended it."
— Richard B., Springdale, AR
3-Year Rate Lock
Lock Your Home Insurance
Premium for 3 Years.
Home insurance rates have climbed 10–20% per year in many states. Premium Lock® by Eventual guarantees your rate for three years — and reimburses you if your carrier raises it anyway.
All 50 StatesWorks With Any CarrierReal Cash Payouts
How It Works
A 3-year price guarantee for your home insurance
Premium Lock® is a first-of-its-kind product that predicts where your home insurance premium is headed — and guarantees the accuracy of that forecast.
3-Year Premium Guarantee
Eventual forecasts your home insurance premium for the next three years. If your carrier raises rates above that forecast, Eventual pays you the difference — directly to your bank account via ACH.
Works With Any Admitted Carrier
Premium Lock works with any admitted-lines homeowners policy — HO and DP forms. You don't have to switch carriers. Add it to your current policy or a new one. It moves with you if you switch carriers too.
Available in All 50 States
Unlike many specialty products, Premium Lock is available nationwide. Whether you're in a high-risk market like Colorado, Texas, or Florida, or a more stable state, you can lock your rate.
Real Cash Payouts
This isn't a discount or a credit — it's a cash reimbursement. Policyholders have received payouts ranging from $4 to $1,317 when their carriers raised rates above the forecast threshold.
Portable Across Carriers
If your carrier non-renews you or you find a better rate elsewhere, you can take Premium Lock with you to the new carrier. The payout threshold resets only if you intentionally increase your coverage.
Stop Shopping Every Year
The average homeowner re-shops insurance every 1–2 years to fight rate increases. Premium Lock lets you stop thinking about it. Your rate is locked. If it goes up, you get paid. Simple.
Why It Matters
With Premium Lock vs. without it
Home insurance rates have risen significantly in recent years. Here's what that looks like with and without a rate lock.
FeatureWith Premium LockWithout It
Protected from carrier rate increases
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Cash reimbursement if rates rise
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Works with any admitted carrier
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Portable if you switch carriers
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Available in all 50 states
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No annual re-shopping required
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Predictable housing costs for 3 years
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Customer Stories
Real homeowners. Real payouts.
"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. It's exactly the kind of product I didn't know existed."
— Paul M., Colorado Springs, CO
"My insurance went from $2,800 to $4,400. Knowing that won't happen to me again means real savings. I wish I had found this product years ago."
— Nathan C., Nolensville, TN
FAQ
Rate lock questions answered
Further Reading
Homeowners & Savings Guides
Lock your home insurance rate today.
RightQuote can add Premium Lock to a new or existing homeowners policy in about 30 seconds. Stop re-shopping every year — lock it in and move on.