Home and auto bundle, example
Oct 14
$382
a month, home, two cars, umbrella
Fourteen
carriers.
One agent.
14 carriers compared
Most quotes in 1 business day
Claims help, no extra fee
2814 Ingersoll Ave, Des Moines
What coverage costs,
before you ask.
Premiums our Des Moines clients paid in 2026, low to high, for the profiles below. Your own price depends on your address, your record and the carrier, and every quote we send is in writing.
Homeowners
$350,000 dwelling
$2,500 deductible, $300,000 liability
Typical month, Des Moines, October 2026
$175
Homeowners
$175
$135
$230
Auto, two cars
$240
$190
$310
Renters
$15
$11
$22
Umbrella
$19
$14
$30
Term life
$26
$21
$34
Small business
$78
$55
$120
Example premiums for illustration, not quotes or offers of coverage. Ranges show what Des Moines clients of a demo agency paid in 2026 for the profiles listed; your price depends on your address, home, drivers, claims history and each carrier’s underwriting.
A kitchen-table review, about 30 minutes
Two business days
from call to covered.
Five steps, one agent from the first call to every renewal. These are typical times for a home and auto quote in 2026; a business policy or a life exam adds a few days.
1
call
Tell us what you have
Send your current declarations pages, or talk us through the house, the cars and the drivers. Ten minutes on the phone is usually enough.
Insurance score checks never lower your credit
1-2
business days
We shop the carriers
We run your details with the carriers that fit your home, cars and history, usually eight to fourteen of them, and drop the ones that will not write it.
Every quote comes back in writing
30
minutes, side by side
The side-by-side review
We walk you through the best three: price, deductibles, limits, exclusions and how each carrier handles claims. You pick; we never push the one that pays us more.
Our commission disclosed on request
0
days without coverage
Bind and switch
We bind the new policy for the date you choose and cancel the old one the same day, so there is no gap and no double payment.
ID cards and proof of insurance by email
365
days later
Re-shop at renewal
Sixty days before every renewal we check your price against the market again. If a carrier raises your rate, you hear it from us first, with options.
Same agent, every renewal
Six lines we quote,
home to business.
Starting premiums and the number of carriers we quote for each line, as of October 2026. Hover a line to see who it tends to fit.
Home
Owners of single-family houses, from 1920s bungalows to new builds
Premium from
$95/mo
Carriers quoted
12
Auto
Households with one to four cars, including teen drivers
Premium from
$62/mo
Carriers quoted
11
Life
Parents, homeowners with a mortgage and anyone whose income someone else relies on
Premium from
$21/mo
Carriers quoted
8
Business
Offices, shops, cafés and contractors with up to 50 employees
Premium from
$45/mo
Carriers quoted
9
Umbrella
Homeowners with a pool, a teen driver, rental property or savings to protect
Premium from
$14/mo
Carriers quoted
7
Renters & condo
Renters and condo owners who need belongings and liability, not the building
Premium from
$11/mo
Carriers quoted
10
Premiums and carrier counts are examples for a demo agency. Carrier guidelines change; your agent confirms what applies to your home, cars or business.
What we insured
in 2025.
Most Stellhorn & Kettner clients live within 30 minutes of Ingersoll Avenue. Four kinds of policies we placed last year, by count.
Homes
1,184 home policies
Cars and trucks
2,036 vehicles
Families
612 life policies
Small businesses
287 business policies
Counts are demo content for a fictional agency.
Example worksheet, not a quote
Three policies,
$382 a month.
What a typical Beaverdale household paid this fall after we shopped it: a 1940s house with a newer roof, two cars, two drivers with clean records and a $1 million umbrella. Your own numbers depend on your address, your drivers and the carrier.
Bundle worksheet
Oct 14, 2026
Homeowners, $350,000 dwelling
$175
Auto, two cars, full coverage
$240
Umbrella, $1 million
$19
Bundle discount
−$52
Deductibles
$2,500 / $500
Example monthly premium
$382.00
/mo
Example only, not a quote or a binder. This worksheet does not calculate your premium. Prices depend on your address, home, drivers, claims history and each carrier’s underwriting, and they change at renewal.
A captive agent quotes one company.
We quote fourteen.
Carriers price the same house differently in the same week. We are appointed with fourteen of them, run your details with the ones that fit and lay the written quotes side by side. The carrier you choose pays our commission; you never pay us a fee for a quote.
14
carriers we are appointed with
Regional mutuals, national carriers and specialists.
1
business day for most quotes
Home and auto, sent in writing.
3,100
households insured
Since Signe Stellhorn opened the office in 2004.
92%
of clients renew with us
Average over the last three years.
Figures are demo content for a fictional agency.
Four licensed agents.
You keep the same one.
Each one holds a focus, from small business policies to life insurance. Whoever takes your first call is the person you call when a renewal jumps or a claim stalls.
“The hail took our roof in June. Thaddeus had the adjuster out in three days and caught the gutters they missed. The check covered all of it.”
Zora and Kaito N., homeowners in Beaverdale
Homeowners claim, settled in 19 days
Illustrative demo review, 4.9 average across 640 (demo)
Answers.
Six we hear on almost every first call. The rest are answered in plain English in the insurance guides.
Does it cost more to use an independent agent?
No. The carrier pays our commission out of the premium, the same way it pays its own agents, so the price is the same whether you buy through us or direct. We never charge a fee for a quote or for claims help.
How is an independent agent different from a captive one?
Will getting a quote affect my credit?
What happens when I have a claim?
Are the prices on this site real quotes?
Can I switch carriers in the middle of a policy term?
2814 Ingersoll Avenue, Suite 200, Des Moines
Monday to Friday 8 AM-5:30 PM, Saturday by appointment
Send us your
declarations page.
Quotes are free and come with no obligation. A quote is not a binder or an offer of coverage; all policies are subject to each carrier’s underwriting, terms and exclusions.