Illustrative monthly premiums
Tables below show starting premiums for common profiles after standard underwriting. Your rate may differ based on loss history, location, limits, and discounts. All amounts are monthly unless noted.
| Plan | Home bundle | Auto bundle | Health add-on | Starting at |
|---|---|---|---|---|
| Essential | Basic dwelling | Liability only | — | $48 |
| Preferred | Replacement cost | Full physical damage | Telehealth rider | $96 |
| Complete | Extended replacement | Multi-vehicle | Enhanced Rx | $160 |
Life coverage tiers
Term life samples assume non-smoking adults in standard health classes. Permanent products build cash value and require illustration review.
- Term 20-year $250k benefit from $28 monthly
- Term 20-year $500k benefit from $52 monthly
- Whole life starter whole benefit from $118 monthly
Business packages
General liability with $1M occurrence starts near $64 monthly for low-hazard offices. Restaurants and contractors see higher premiums because class codes reflect fire and injury exposure. Property coverage follows insured values; we schedule equipment separately when limits exceed standard contents caps.
Workers compensation is quoted per payroll class. We audit classifications at renewal so overtime and new roles map to correct rates. Packages that combine liability, property, and auto frequently earn multi-line credits between $12 and $45 monthly depending on fleet size.
Discounts that move premiums
Multi-policy credits often reduce combined home and auto bills by ten to eighteen percent when carriers align. Monitored home security, water leak sensors, and impact-resistant roofing can trim property premiums. Auto telematics rewards smooth braking and limited late-night miles. Business clients bundling liability, property, and workers compensation frequently see package credits noted on renewal summaries.
Deductible trade-offs
Higher deductibles lower monthly cost but shift more risk to you at claim time. We model scenarios at $500, $1,000, and $2,500 deductibles so you see break-even years before choosing. Umbrella policies remain inexpensive relative to the extra liability they provide, often starting near $22 monthly for one million in excess coverage when underlying auto limits qualify.
Health premium factors
Group health pricing reflects age bands, tobacco use, plan design, and network breadth. Individual policies vary with metal tier selection and subsidy eligibility where programs exist. Dental and vision riders typically add between $9 and $24 monthly per enrolled employee depending on network size.
Payment plans and fees
Carriers may offer monthly, quarterly, or annual billing. Installment fees sometimes apply to monthly plans and appear on your first invoice. We explain finance charges before you choose a schedule so annual pay discounts can be compared fairly against cash flow needs.
Late payments can trigger grace periods defined in your contract. We send courtesy reminders when carriers report upcoming cancellations, but you remain responsible for keeping payment methods current in carrier portals.
Ask your advisor to compare annual versus monthly totals before you bind so you see the full cost of installment convenience.
How to lock a firm quote
Published prices are guides. Firm quotes require application answers and, for some lines, inspections or labs. Submit the form on our home page or contact desk with coverage type selected; advisors return bindable numbers within two business days for most personal lines.