How to Sell Home Insurance Leads
How to sell home insurance leads to agents who buy by ZIP code and carrier, in a market where sharing is common and returns follow a short published list. Sign funded agents first, then build traffic where they write.
Home insurance buyers are agents, and most sellers sell home beside auto and other lines. 21 of the 41 companies in our directory offer exclusive leads, 13 offer shared, and 25 sell live transfers.
Ask every agent which carriers they write for. 6 companies here filter by carrier, 3 credit a shopper already insured with the agent's carrier, and two sell a shared lead to no more than one agent per carrier.
14 companies already run prepaid accounts, so funded balances are normal here. Write a short list of credited return reasons, keep a source sub ID on every lead and have a marketplace ready for what agents pass on.
Who buys home insurance leads
Home insurance sites describe a few kinds of buyers. Most are agents and agencies, sorted by the carriers they write for.
| Buyer | What they buy | What to know |
|---|---|---|
| Agents tied to one carrier | Real-time leads in their ZIP codes that the carrier will write, with shoppers not already insured by that carrier. | Ask the carrier at signup, as one seller here does. Two sellers keep a shared lead to one agent per carrier, and a few sellers mention carrier subsidy or co-op programs that help these agents fund their accounts. |
| Independent agencies | Leads and calls across home, auto and other lines, filtered by geography and their carriers' underwriting. | They often buy from several vendors at once, and one seller's FAQ answers how many vendors to run. Let them bid against each other in Juiced instead of selling each a fixed allotment. |
| Call centers and agencies buying transfers | Live transfers and inbound calls, screened by a live agent or IVR. | 25 companies here sell live transfers. Juiced distributes web leads, so transfers need separate call tracking. |
| Aged lead buyers | Older quote requests in bulk, filtered by lead age and state, priced lower as they age. | 10 companies sell aged leads here. In Juiced, leads no agent takes in real time fall in price in your own marketplace, where these buyers can pick them up. |
The home insurance lead buyer directory lists every company we found that publicly buys or sells home insurance leads, with what each one says it does. It is a research starting point, with no contact details.
What you are selling
What the 41 home insurance lead companies in our directory say they offer:
| Product | Companies offering it |
|---|---|
| Exclusive leads | 21 of 41 |
| Real-time leads | 33 of 41 |
| Shared leads | 13 of 41 |
| Aged leads | 10 of 41 |
| Inbound calls | 21 of 41 |
| Live transfers | 25 of 41 |
| Booked appointments | 5 of 41 |
| Data or lists | 4 of 41 |
| Clicks | 9 of 41 |
Counts cover everything each company says it sells, which can include other verticals.
Start with real-time web leads, offered by 33 of the 41 companies, and decide up front whether each lead is exclusive or shared with a capped number of agents. Live transfers and calls are the next most common products, but they need separate call tracking alongside Juiced.
What to capture and screen for
- A real shopper who asked for a quote, not a test lead or a fake name.
- A working phone, checked for line type or confirmed by text code.
- Occupancy and property type, since agents quote an owner-occupied home differently from a rental or mobile home.
- Year built, roof type and roof year, the home details most quote forms ask.
- Current insurance and policy expiration, so agents can time the quote.
- Claims in recent years.
- A consent record and a source sub ID on every lead.
The field-by-field version is on the home insurance lead distribution page.
Building it, in order
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Sign agents before you build traffic
Find buyers first. For each agent, record the ZIP codes or states they write, the carriers they represent, the home types they will quote and a daily cap. Only then decide where to buy traffic.
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Have every agent fund a balance
14 companies here describe prepaid accounts, so agents expect it. Do not give free sample leads, promise a count by a date or invoice later. In Juiced the agent funds a wallet before leads arrive and is charged as each lead is delivered.
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Write the return list before the first lead
Copy the market's habit of a short list: bad number, duplicate, fake or test lead, language barrier, did not request a quote, and decide on already insured with the agent's carrier. Say what is not a return, such as no answer or a policy bought elsewhere, and walk each agent through it on the first call.
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Build the lead type around the home
Add occupancy, property_type, year_built, square_footage, construction_type, roof_type, roof_year, claims_last_5_years, currently_insured and policy_expiration. Mark the home and coverage fields required for ping and keep contact fields for the post.
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Decide exclusive or shared and say how many
If you share, follow the market: cap the number of agents and keep agents of the same carrier apart. If you sell exclusive, let several agents bid for each lead in Juiced so the highest bid wins in seconds.
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Generate only where a funded agent is waiting
Point traffic at the ZIP codes and states your funded agents write. A home insurance lead in an area no agent covers is a cost you cannot recover.
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Route the overflow
Leads no agent takes go to your own marketplace in Juiced, where the price falls until someone buys with Buy Now or a standing Buy Order. Unsold leads are the biggest avoidable cost, so plan this before launch.
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Tag every lead with a source sub ID
Read returns by source_sub_id and by return reason. If one source sends duplicates or people who never asked for a quote, you will see it before the agents do.
What makes home insurance different
- Home is usually one line beside auto: only 8 of the 41 companies describe a home-specific product.
- Shared is common, offered by 13 companies, and 7 state a cap on how many agents get each lead.
- The carrier shapes the sale: 6 companies filter by carrier, 3 credit a shopper already with the agent's carrier and two avoid same-carrier sharing.
- Return policies follow a short, similar list of credited reasons, and two companies cap returns at a share of leads bought.
- Aged leads are a real outlet, sold by 10 companies, often priced lower as they age.
- Prepaid accounts are the norm where funding is stated, and 17 companies offer self-serve signup.
Common mistakes
- Not asking which carriers an agent writes for, then selling them shoppers their carrier will not take.
- Sharing a lead with more than one agent of the same carrier.
- Saying shared without saying how many agents get each lead.
- Giving away free leads or invoicing later instead of taking a funded balance.
- Launching without a written list of credited return reasons.
- Generating traffic in areas no funded agent covers, with no overflow ready.
- Promising exclusive on the homepage and something else in the terms. Researchers found that gap at a few sellers here.
Related
- Home insurance lead buyers and sellers: every company in this market, checked against its own website
- Home insurance lead distribution: the fields, screens and routing for this market
- Insurance lead distribution: the wider vertical
- Pay-per-lead vs. pay-per-call: why selling records is simpler than selling live calls
Frequently asked
What should a home insurance lead include?
Occupancy, property type, year built, square footage, construction type, roof type and roof year, recent claims, current insurance and policy expiration, plus a consent record. Those are the questions most quote forms ask, and they let an agent filter before bidding.
How many agents should get a shared home insurance lead?
The sellers here who share state a cap, from a small group to a stated maximum, and two allow only one agent per carrier. Pick a cap, publish it and keep it.
Do agents expect to prepay?
Usually. 14 of the 41 companies describe a prepaid or funded account, and only one describes invoicing. In Juiced the agent funds a wallet before leads arrive.
What returns should I accept?
The common list here is a bad number, a duplicate, a fake or test lead, a language barrier and a consumer who did not request a quote. 3 companies also credit a shopper already insured with the agent's carrier.
Can I sell home insurance calls through Juiced?
Juiced distributes web leads. 25 companies here sell live transfers and 21 sell inbound calls, and those need separate call tracking.
What do I do with leads no agent buys?
Send them to your own marketplace in Juiced, where the price falls until someone buys. 10 companies in this market sell aged leads, so there are buyers for older records.
What do home insurance leads sell for?
No prices are published here. Sellers rarely publish them, and what a home insurance lead sells for depends on whether it is exclusive or shared, a web lead or a call, the geography, how fresh it is and how many buyers want it. The pay-per-lead pricing guide shows how to work out your own floor from cost and let buyers bid above it.
Does Juiced handle home insurance calls or live transfers?
No. Juiced distributes web leads and delivers them by webhook, email or text. It does not track or route phone calls, so if calls are part of your product you need call tracking software for that side.
Selling home insurance leads to more than one buyer?
Juiced is lead distribution software for companies that sell leads. Buyers fund a wallet and bid above your minimum, each lead goes to the highest bid in seconds, and leads that miss their first buyer go to your own marketplace instead of being lost.
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