Home Insurance Rate Lock
Get a better home insurance rate in Tampa, then lock it in.
As an independent agency, we shop dozens of A-rated carriers to lower your home insurance rate, then add a 3-year price guarantee. If your premium climbs beyond the guarantee, you get paid the difference.
3-year price guarantee
Serving all of Florida
How it works
Two simple steps: a better rate today, and protection from the increases everyone’s seeing tomorrow.
We shop your rate
Because we’re independent, we compare dozens of A-rated carriers to find you a better home insurance rate, no single-carrier bias.
We lock it in
We add the Premium Lock price guarantee on top. It sets a 3-year threshold for your premium based on a forecast for your home.
You get paid if it rises
If your premium climbs above the guarantee over the next three years, you are reimbursed the difference, paid directly to you.
Florida home insurance keeps climbing. This makes it predictable.
Home insurance premiums have jumped across Florida, and renewals have been painful. The Premium Lock price guarantee gives you a rare thing in this market: predictability, and money back if your rate runs up.
It is an affordable add-on with a fee based on your premium, and it is portable if you ever switch carriers.
- A better rate first, from an agency that shops the market for you.
- A 3-year price guarantee layered on top.
- Reimbursement paid to you if premiums exceed the threshold.
- Portable from carrier to carrier on eligible policies.
- Local, licensed help from Darryl and the iInsure team.
Questions, answered
What exactly is the rate lock?
It is a 3-year price guarantee (Premium Lock) that works alongside your home insurance. A threshold is set based on a forecast of your premium; if your actual premium rises above it, you are reimbursed the difference.
Is it insurance?
No. It is a separate price-guarantee product that sits on top of the home insurance policy we place for you. It does not change your coverage or your carrier.
What does it cost?
An affordable fee that scales with your premium, some homeowners pay around $100 a year. We will give you an exact figure with your quote.
Do I have to switch carriers?
Not necessarily. We will shop for a better rate first, and the guarantee is portable if you do decide to switch.
Am I eligible?
Most standard (admitted-lines) homeowners policies qualify. A few policy types are excluded, so we will quickly confirm your eligibility when we review your info.
Lower your rate, then lock it in.
Get your options from a local, independent agency. It only takes a minute to start.