Homeowners calling about cover they need to replace
Non-renewals, premium jumps and new mortgages — the three things that make a homeowner pick up the phone.
Fewer calls than auto. Considerably more premium per policy.
Home insurance does not have auto's raw volume, but each policy carries more premium, retains longer, and opens the door to a bundled auto policy on the same household. For most agencies the lifetime value of a home client is several times that of a standalone auto client.
The market has also become genuinely urgent. Carriers have withdrawn from wildfire and coastal counties, non-renewal letters are landing in states that never used to see them, and premiums in Texas, Florida, Louisiana and California have moved sharply. Homeowners are not casually browsing — many of them have a deadline.
Our home campaigns are weighted toward those forced-shopping moments rather than idle curiosity, because a homeowner with 30 days' notice from their carrier closes at a rate no cold list will ever match.
What puts home insurance on someone's to-do list
These are the moments our campaigns are built to catch. Intent is highest within days of one of them.
Carrier non-renewal
The strongest signal in the vertical. The consumer has a date by which they must have new cover.
Premium increase
Double-digit renewal increases have become normal, and homeowners now shop rather than accept them.
Home purchase
Lenders require proof of insurance before closing. Timeline is short and the buyer is highly responsive.
Bundling with auto
Multi-policy discounts are the most common reason a satisfied auto client will re-shop their home.
Renovation or new roof
A new roof or major upgrade changes the risk profile and usually justifies a re-quote.
Relocation
A move means a new policy on a new property — and often a new agent entirely.
Filters available on this vertical
Applied before routing, so a call that fails any of them never reaches your agents.
- State, county and ZIP — essential for coastal and wildfire exclusions
- Ownership status — owner-occupied, rental or second home
- Property type — single family, condo, townhome, mobile
- Estimated home value and requested dwelling coverage
- Year built and roof age
- Currently insured — including non-renewal flag
- Prior claims in the last three to five years
- Bundle intent — auto also in market
Where home insurance calls come from
The channel mix we run for this vertical, in rough order of volume.
- Google Search — quote, comparison and non-renewal keywords
- SEO content — state-level guides on carrier withdrawals and rate changes
- Meta Ads — geo-targeted to counties seeing carrier exits
- Native advertising — homeowner cost-saving editorial placements
- Display retargeting — recovering incomplete quote sessions
- Email — permission-based sends to our homeowner subscriber file
Three delivery formats for home insurance
Inbound calls
Consumer-initiated calls routed live to your floor. Billed on your duration buffer only.
Pay per callWarm transfers
Screened against your filters and introduced by name before the handoff completes.
Warm transfersReal-time leads
Form submissions posted to your CRM in seconds with the consent certificate attached.
Pay per leadHome Insurance — what buyers ask us
Get home insurance pricing today
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Home Insurance — request pricing
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