Pricing

What bundled cover typically costs

Agency service is free to you because carriers pay us from the premium. The bundles below show illustrative monthly figures for a fictional household so you can see how pricing is built.

Sample bundles

Real quotes depend on your address, driving record, claims history and limits. Treat these as shapes, not promises.

Paying in full can save up to 20%

Renter bundle

Renters cover plus one vehicle, aimed at people in a first apartment who want solid liability limits without paying for extras.

$38/mo

  • Renters contents cover
  • One-car auto policy
  • Roadside assistance
Quote the renter bundle
Most requested

Homeowner bundle

Home plus two cars with higher liability, designed for a typical suburban household with a mortgage.

$214/mo

  • Replacement-cost home cover
  • Two-car auto policy
  • Water backup included
Quote the homeowner bundle

Shop and home

A small-business owner's combination of home, vehicle and business property with general liability.

$389/mo

  • Business property and liability
  • Home and vehicle cover
  • Umbrella of $1M
Quote the shop bundle

What moves a premium

Why do two quotes for the same house differ so much?

Carriers weigh roof age, claims history and credit-based scores differently, which is why we shop nine of them instead of trusting one rate card.

Does a higher deductible really save money?

Usually, but only if you could pay it tomorrow. We show the saving next to the deductible so you can judge whether the trade is worth it.

Are there fees on top of the premium?

Carriers may add policy or installment fees, and we list each one in your proposal. Lanternhill itself never charges a broker fee for personal lines.

How often should we re-shop?

Every renewal. We do it automatically and only call you when a switch would save meaningful money or fix a gap in cover.

Ready for numbers that are really yours?

Give us your address and vehicles, and we will turn these shapes into three real quotes within a working day.