Coverage we quote, October 2026
Six policies,
in plain English.
Renters from $11 a month
Up to 12 carriers per line
Auto 6-month, home 12-month terms
Business, life and umbrella too
Owners of single-family houses, from 1920s bungalows to new builds
Home
Premium from
$95/mo
Carriers quoted
12
Policy term
12 months
The house, your belongings and your liability. We match your roof and deductible to the carrier that wants it.
Households with one to four cars, including teen drivers
Auto
Premium from
$62/mo
Carriers quoted
11
Policy term
6 or 12 months
Liability for damage you cause, plus collision and comprehensive. Iowa’s 20/40/15 minimum is rarely enough.
Parents, homeowners with a mortgage and anyone whose income someone else relies on
Life
Premium from
$21/mo
Carriers quoted
8
Policy term
10 to 30 years, or permanent
Term life replaces your income for the years people depend on it, compared across several life carriers.
Offices, shops, cafés and contractors with up to 50 employees
Business
Premium from
$45/mo
Carriers quoted
9
Policy term
12 months
One business owner’s policy for property and liability, plus workers’ comp and commercial auto when needed.
Homeowners with a pool, a teen driver, rental property or savings to protect
Umbrella
Premium from
$14/mo
Carriers quoted
7
Policy term
12 months
Extra liability above your home and auto limits, in $1 million steps. It costs little because it pays last.
Renters and condo owners who need belongings and liability, not the building
Renters & condo
Premium from
$11/mo
Carriers quoted
10
Policy term
12 months
Your belongings and your liability. Condo coverage adds the walls-in part the association leaves to you.
Every line,
side by side.
A starting premium is where a carrier opens the conversation, not where every household lands. Your agent checks your details against each line before you decide what to buy.
Home
Owners of single-family houses, from 1920s bungalows to new builds
$95/mo
12
Auto
Households with one to four cars, including teen drivers
$62/mo
11
Life
Parents, homeowners with a mortgage and anyone whose income someone else relies on
$21/mo
8
Business
Offices, shops, cafés and contractors with up to 50 employees
$45/mo
9
Umbrella
Homeowners with a pool, a teen driver, rental property or savings to protect
$14/mo
7
Renters & condo
Renters and condo owners who need belongings and liability, not the building
$11/mo
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.
We read the fine print
so you don’t have to.
Tell us what you own and who you protect. An agent lays out the two or three policies that fit, with written example prices for each.
Quotes are free, with no obligation. A quote is not a binder or an offer of coverage; every policy is subject to the carrier’s underwriting, terms and exclusions. Stellhorn & Kettner is a demo agency, Iowa license # 0000000 (demo).