Your home insurance price,
locked for 3 years.
Keep your carrier. Keep your coverage. If your premium goes above your locked number, you get reimbursed.
Premium Lock® is a 3-year price guarantee from Eventual, offered through Lenny Burton, CLU®. Works with the home policy you already have, from any carrier.
Already have home insurance?
Keep the policy you have, from any carrier. Premium Lock sits alongside it and nothing about your policy changes. You answer six questions, about 30 seconds, and your quote arrives by email or text.
Your locked number is set for your home and fixed for the full three years.
Want to review the policy too?
We can quote your home insurance and the lock together, so you start the three years with the right coverage and a known ceiling on the price.
Pick a time, bring your current declarations page, and we'll go through both on one call.
How it works
Answer six questions.
Your address and a few details about your current policy. About 30 seconds.
Get your locked number.
Eventual forecasts your premiums over the next three years and sets a payout threshold for your home. That number is fixed for the full term.
Send your declarations page each renewal.
Once a year, your declarations page goes into the Premium Lock portal. That upload is what triggers a payout.
Get reimbursed.
Anything above your locked number is paid back to you by ACH.
What pays out, what resets
Premium Lock is built to pay in the situations that raise your price without you asking for it. It resets to a fresh three-year term when you choose to upgrade your policy.
| Pays out when | Your carrier raises your rate. Your carrier raises your dwelling coverage. You change carriers. You file a claim. |
|---|---|
| Resets to a new 3-year term when | You lower your deductible. You upgrade to a more comprehensive policy form. You make significant renovations. |
| Works with | Any admitted home insurance carrier and form, in all 50 states. |
| Not available for | Excess and surplus lines policies, state insurers of last resort, renters, flood, or auto. |
Where home insurance prices have gone
| Measure | Then | Now |
|---|---|---|
| HO3 renewal, primary single-family home, Texas | $2,380 in 2021 | $4,538 in 2026 |
| National home insurance premiums | About 10% higher in 2025 | 5% higher in the twelve months ending February 2026 |
Source: Eventual, 2026.
What it costs
$10 to $20 a month, priced per home. Your exact price comes with your quote.
You pay Eventual monthly by card or ACH. You keep paying your home insurance exactly as you do today. Cancel anytime.
About Lenny Burton, CLU®
Designation from The American College of Financial Services. Licensed in Florida, Ohio, Indiana, and Texas.
Premium Lock is one of the ways I help people keep what they own protected without a surprise at every renewal. If you want to look at the home policy itself while we're at it, we can do both on the same call.
Lenny Burton
Straight answers
What if rates go down?
Does Premium Lock change my coverage?
Is Premium Lock insurance?
Can I cancel?
What does it cost?
How do I get paid?
Who do I call about a payout?
Schedule a conversation
Pick a date and time that fits your schedule. We can talk over the phone or look at your declarations page together on a secure video meeting.
Scheduling a time is a request for contact from a licensed insurance agent.
By booking, you agree that Leonard Burton, a licensed insurance agent, may contact you by phone, email, or text message about your insurance options and Premium Lock. Consent to receive texts is not a condition of purchase. Reply STOP to opt out of texts at any time. Message and data rates may apply. Your information will not be shared with any other agent or organization without your express written consent.
Ready now? Get your Premium Lock quote →