The Problem
Home Insurance Rates Are Out of Control
Home insurance premiums grew 10% annually from 2019–2024 — more than double the rate of inflation and outpacing home value appreciation. In Georgia, Alabama, the Carolinas, and Tennessee, some homeowners have seen 20-40% increases at renewal. And there’s no end in sight.
How It Works
The Premium Lock® Guarantee — Simple & Powerful
You add Premium Lock® alongside your home insurance
TWFG Insurance Branch 342 quotes it in about 30 seconds. It works with your existing carrier — no need to change your home insurance policy.
Eventual predicts your future premiums
Using advanced climate and insurance data, Eventual forecasts your property’s home insurance premiums over the next 3 years and sets a Payout Threshold for your specific address.
If your premium goes above the threshold — Eventual pays you
Each year, you upload your Declarations page. If your insurance premium exceeds the Payout Threshold, Eventual notifies you by email and pays you the difference directly via ACH. No claims process. No hassle.
You keep it even if you switch carriers
Premium Lock® travels with you from carrier to carrier as long as your policy stays on admitted lines. You’re never trapped with a carrier just to keep your rate protection.
Key Facts
- ✓ Available in all 50 states
- ✓ Works with admitted-lines HO and DP policies
- ✓ Sold exclusively by independent agents
- ✓ 3-year protection period
- ✓ Payouts made directly to you via ACH
- ✓ Keep it when you switch carriers
- ✓ 5x greater payout likelihood vs. home insurance
What It Does NOT Cover
- ✗ Not an insurance policy — it’s a separate financial product
- ✗ Does not replace your home insurance policy
- ✗ Does not cover Excess & Surplus lines policies
- ✗ Payout Threshold resets if you intentionally raise premiums
- ✗ Not available for renters, auto, or flood policies
Common Questions
Premium Lock® FAQs
Is Premium Lock® an insurance product?
No — Premium Lock® is not an insurance policy or financial derivative. It’s a separate product that reimburses homeowners if their home insurance premiums rise above Eventual’s forecast. It works alongside your home insurance policy — not instead of it.
What is the Payout Threshold?
The Payout Threshold is Eventual’s forecast of your property’s insurance premiums over the next 3 years. It’s calculated based on your specific address. If your actual insurance premiums exceed this threshold at renewal, Eventual pays you the difference directly.
What happens if I file a claim and my rates go up?
Premium Lock® still pays if your premiums exceed the Payout Threshold due to a claim, carrier rate increase, or coverage increase required by your carrier. The threshold only resets if you intentionally raise your premiums — like lowering your deductible or upgrading from ACV to Replacement Cost coverage.
Can I get Premium Lock® on my current policy?
Yes — Premium Lock® can be added to new policies, mid-term, or during your annual policy review. It works with any admitted-lines homeowners policy (HO and DP forms). Contact TWFG Insurance Branch 342 and we can quote it in about 30 seconds.
How much does Premium Lock® cost?
The cost varies based on your property’s address and risk profile. Eventual charges homeowners a recurring fee that can be paid monthly or annually. Contact us for a quote — it takes about 30 seconds to generate.
Why Get Premium Lock® Through TWFG Insurance Branch 342?
We can quote and add Premium Lock® to your policy quickly — new clients, mid-term, or at renewal.
We shop your home insurance across 50+ carriers AND add Premium Lock® — comprehensive protection from one agent.
Based in LaGrange, GA — we upload your Declarations pages annually and manage the process for you.
We make sure your home insurance and Premium Lock® work together seamlessly for maximum protection.
Premium Lock® Guarantee is a product of Eventual Services LLC and is not an insurance policy or financial derivative product. It does not constitute insurance or an insurance contract and does not take the place of insurance obtained or obtainable by you. Past performance is not indicative of future results. Please review Eventual’s Terms of Service and Privacy Notice at eventualclimate.com before purchasing. ¹Home insurance pays claims to 5% of insureds annually on average. Premium Lock® payout projections based on payout data as of March 2026.
Stop Worrying About Your Home Insurance Bill
Ask TWFG Insurance Branch 342 about Premium Lock® today. Quote takes 30 seconds.