Carriers are leaving, rates are jumping, and climate risk is redrawing the map. Agents who only chase new quotes are watching the front door while the book walks out the back. The winners market retention, call before renewal, and become the advisor clients keep through the storm.
Get Your Free Home Insurance Market ReportLive numbers from government and public sources, not a guess from a slide deck. Refreshed monthly via DataPulse.
Realtors send the cheapest home insurance leads, and it isn't close. Every buyer needs coverage at closing. The agent already in the realtor's phone gets that call.
Bundling doubles lifetime value. Write the home policy at closing, add the auto within 30 days, and that client stays for the long haul. Bundling is retention.
"Every time we work with a home insurance agent with 300-600 policies in force, the same patterns show up..."
Pulled from government data and industry sources. Updated monthly. Find your row.
| Metric | Bottom 25% | Median | Top 25% | Yours |
|---|---|---|---|---|
| Book Size (Premium) | $400K | $800K | $1.5M+ | -- |
| Policies in Force | 250 | 500 | 900+ | -- |
| Cost Per Lead | $38 | $20 | $10 | -- |
| Quote-to-Bind Rate | 10% | 18% | 28% | -- |
| Avg Policy Premium | $1,400/yr | $1,800/yr | $2,400/yr | -- |
| Retention Rate | 76% | 84% | 92% | -- |
| Google Reviews | 10 | 30 | 65+ | -- |
| Website Conversion Rate | 0.4% | 1.4% | 3.0% | -- |
Want your own numbers in that last column?
Get Your Free ScorecardHow to read this: Retention under 76%, or quote-to-bind under 10%? That is a service and follow-up problem, not a lead volume problem. Fix retention first, then buy leads, never the other way around.
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