Skip to content
What's the cost?

Let's address those insurance pricing questions other agents are avoiding

How much does business and personal insurance cost? We're glad you asked!


 

Team Photo
Wave Divider

 

What type of insurance are you interested in?

 

 

 

check

What types/how much insurance do you need?

The number of policies you need and the amount of coverage under each policy will be unique to you. Each of these policies will have designated coverage limits and optional coverages catered to your needs. All of these factors will play into what your personal insurance costs.

 

check

Factors that influence pricing

In addition to the types of insurance and coverage amounts you need, things like location, age, profession, details about possessions you're insuring, driving record, discount eligibility, and more could affect your personal insurance costs.

 

check

Ways to save

Fortunately, personal insurance offers several opportunities to save. Some include bundling your policies, increasing your deductible, paying through EFT/ACH, switching to paperless billing, removing optional coverages you don't need, or asking about discounts (especially with auto).

 

OK, but really, what can I expect to pay?

As we said, insurance prices can range greatly depending on a number of factors, but we do want to give you a more tangible idea of what you can expect to pay.

Before you take the below numbers as gospel, we want to preface by saying, we've been doing insurance for decades and things still surprise us every day.

We're providing a wide range of what policies typically cost, but it's totally possible that your quote could fall outside of these ranges.

 

Personal Insurance Example

 

check

What does car insurance cost?

Depending on several factors, you can generally expect a car insurance policy to fall somewhere between $700 – $3,000 per year or $58 – $250 per month.

 

check

What does home insurance cost?

Depending on several factors, you can generally expect a home insurance policy to fall somewhere between $700 – $4,000 per year or $58 – $333 per month.

 

check

What does life insurance cost?

Depending on several factors, you can generally expect a life insurance policy to fall somewhere between $100 – $1,000 per year or $8 – $83 per month.

 

check

What does renters insurance cost?

Depending on several factors, you can generally expect a renters insurance policy to fall somewhere between $100 – $300 per year or $8 – $25 per month.

 

check

What does umbrella insurance cost?

Depending on several factors, you can generally expect a $1 million umbrella policy to cost between $160 – $300 per year or $13 – $25 per month.

 

check

What does flood insurance cost?

Depending on several factors, you can generally expect a flood insurance policy to fall somewhere between $500 – $12,000 per year or $41 – $1,000 per month.

 

How can I save on my personal insurance policies?

There are plenty of legit ways to lower your personal insurance costs depending on the policy.

  • Bundle policies
  • Increase deductibles
  • Pay via EFT/ACH or pay ahead
  • Switch to paperless billing
  • Ask about available discounts
  • Remove optional coverages you don't need
Why do my personal insurance rates keep going up?

Small increases are common each year. Bigger jumps usually trace back to specific changes—often tied to auto insurance.

  • Life changes
  • General inflation
  • Lost discounts
  • Changes to payment plans
  • More advanced vehicle technology
  • More accidents/claims
  • Rising medical costs
How do I know if I'm getting the best price?

You can't know you've hit the absolute lowest price without quoting every carrier, and the lowest price isn't always the best fit. You want coverage that actually protects you when it counts.

As an independent agency, we shop multiple carriers for you to match the right coverage, fair pricing, and any savings opportunities.

How can I pay for my insurance?

You can pay in full or in installments. Accepted methods typically include mail, phone, in-person, online, EFT, or ACH—whatever's easiest for you.