Essential
$29 / Month
- Two coverage lines
- 25 minute appointment
- Bullet-note recap
- One follow-up reply
- Quote request checklist
Pricing
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Guidance desk fees
Plans for a clearer quote
You pay Rotten Royals for time, explanation, and a written recap. An insurer, if you later choose one, charges its own premium. The numbers below are not premiums and they are not offers of cover.
Household
$59 / Month
- Four coverage lines
- 40 minute appointment
- Full written recap
- Two follow-up replies
- Side-by-side exclusion notes
Premier
$99 / Month
- All six coverage lines
- 60 minute appointment
- Full recap plus renewal checklist
- Three follow-up replies
- Business and household in one note
Yearly figures are the amount for twelve months of guidance, paid once. They are lower than twelve separate monthly payments. Either way, you can pause at the end of the period you chose. A policy you buy from an insurer continues or ends on that insurer’s terms, not on this menu.
Compare the desk, not a premium
| Included in the guidance | Essential | Household | Premier |
|---|---|---|---|
| Coverage lines in one period | 2 | 4 | 6 |
| Appointment length | 25 minutes | 40 minutes | 60 minutes |
| Written recap | Bullet notes | Full recap | Full recap and renewal checklist |
| Exclusion review | Summary | Detailed | Detailed, side by side |
| Follow-up replies by email | 1 | 2 | 3 |
| Quote request prepared with you | Yes | Yes | Yes |
| Business and household together | No | If one of the four lines | Yes |
| Illustrated guidance fee | $29 / month | $59 / month | $99 / month |
What the fee buys
A meeting with a record
People sometimes ask why guidance has a price if the insurer will also talk to them. An insurer’s conversation is aimed at a sale of that insurer’s contract. Ours is aimed at your understanding, including the possibility that you should wait, buy less, or ask a different insurer.
The fee covers preparation, the appointment, the recap, and the follow-up replies listed in your plan. It does not cover an insurer’s premium, a medical exam, a repair, or a claim payment. If a question needs a licensed insurer decision, we will say so and stop at the edge of our role.
- You can change plans at the next period, not in the middle of a recap already being written.
- Unused follow-up replies do not roll into cash. They stay as replies.
- If we cannot help, we say that before an appointment is held.
Pricing questions
$29 is not an auto premium. It is an example monthly fee for the Essential guidance plan. The cost of an auto policy depends on drivers, vehicles, history, and the insurer. We will not publish a pretend premium.
Essential is the smallest plan and already describes a single focused appointment plus one reply. If you only need a written answer and no meeting, say so on the contact form and we will tell you whether Essential still fits.
No. A yearly guidance plan ends when the year ends unless you ask to continue. We will email before that date. Silence is not a renewal.
That is a Premier shape, or a Household plan if those two lines are among the four you choose. Tell us on the form. We would rather move you to the fitting plan than squeeze a business into a home note.