Transparent Rates
No hidden fees, no surprise charges. Our rates come directly from carriers — we never mark up premiums.
🎯
Zero Broker Fees — Ever
SafeHarbor is compensated by carrier commissions, not by you. The price you see from the carrier is the price you pay. Period.
Home Insurance Rates
Annual premiums by coverage level
| Coverage | Basic | Standard | Premium |
|---|---|---|---|
| $250,000 | $890 | $1,180 | $1,540 |
| $500,000 | $1,340 | $1,740 | $2,280 |
| $750,000 | $1,780 | $2,340 | $3,060 |
| $1,000,000 | $2,240 | $2,940 | $3,820 |
Rates are estimates based on average risk profiles. Your actual rate may differ.
Auto Insurance Rates
Monthly premiums by coverage tier
| Coverage | Basic | Standard | Premium |
|---|---|---|---|
| Liability Only | $38 | $52 | $68 |
| Full Coverage | $89 | $125 | $165 |
| Full + Extras | $125 | $168 | $210 |
| Premium Bundle | $155 | $195 | $260 |
Rates are estimates based on average risk profiles. Your actual rate may differ.
Fee Schedule
Policy Setup Fee
Always free
$0
Annual Broker Fee
We earn from carrier commissions only
$0
Quote Comparison
Unlimited free quotes
$0
Policy Review
Annual review included
$0
Claims Assistance
Full advocacy at no extra cost
$0
Mid-term Changes
Endorsements processed free
$0
Cancellation Fee
Cancel anytime, no penalty from us
$0
Document Copies
Digital access anytime
$0
Available Discounts
Up to 25%
Multi-Policy Bundle
Combine home + auto + life
Up to 15%
Claims-Free
3+ years without a claim
Up to 10%
Home Security
Alarm system, smart locks
Up to 20%
Safe Driver
Clean driving record
Up to 10%
New Customer
First-year welcome discount
Up to 8%
Annual Payment
Pay annually vs monthly
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Actual rates depend on your individual risk profile. Get a free, no-obligation quote in minutes.
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