Homeowners insurance is no longer “inflation + a little.” In many states it’s become volatile, uneven, and emotionally exhausting for consumers—and operationally painful for agents trying to retain clients through renewal shocks. In this episode, Michael sits down with Dylan DiMarchi, CEO of Eventual (the company behind Premium Lock), to unpack a simple but potentially disruptive idea: multi-year premium predictability. “Insurance pricing actually was more volatile than any other period in human history.” In this conversation, we cover: The real-world problem: why homeowners are burned out on surprise renewals How Premium Lock works (a supplementary product that reimburses amounts above a pre-set threshold) Why agents are using it not just for retention—but as point-of-sale differentiation Market insight: what Dylan’s data suggests about where premium growth could trend next If you’re an independent agent—or an agency leader thinking strategically about differentiation and retention—this one will give you new angles (and a product category to watch).