Selling home insurance can be a rewarding career, particularly if you enjoy helping others protect their most valuable assets.
However, a successful insurance career requires more than just a comprehensive understanding of home insurance products. It is essential to employ highly effective marketing tactics to ensure you build a robust client base.
This guide aims to illuminate the processes and strategies integral to mastering how to sell home insurance effectively and efficiently and ultimately growing your business.
How to Sell Home Insurance Successfully
Selling home insurance involves more than just knowing the product. You will also need to know how to connect with potential clients by using effective digital marketing strategies to reach them.
Some essential methods that should form part of your overall marketing efforts have been explored below:
Social media platforms like Facebook, Twitter, and Instagram offer powerful ways to connect with potential clients.
- Create a professional page: This should represent your insurance agency and provide valuable information about home insurance
- Share useful content: Post tips on home maintenance, explain why home insurance is important, or share stories about how insurance helped homeowners in crisis
- Engage with followers: Respond to comments, answer questions, and thank followers for their engagement
Since updating posts and quickly answering messages can take up a lot of time, many home insurance agents choose to hire outside help to take care of their social media pages.
This helps home insurance agents use these platforms in the best way and also frees up time for them to invest in other important parts of their business.
As a home insurance agent, we recommend working with Arrow; Arrow uses AI in order to offer up to five personalized posts a week, online traffic boosts, and weekly reporting.
Content marketing involves creating and sharing useful information across a variety of platforms in order to attract potential clients in a less-direct selling approach.
Here’s how you can do it:
- Start a blog: Write about topics related to homeownership and insurance. This could include tips on protecting homes from natural disasters, understanding homeowners insurance policies, or saving money on premiums
- Create infographics: These visual tools can simplify complex insurance topics, making them easier to understand
- Offer free resources: You might provide downloadable guides on choosing the right insurance policy, checklists for home safety, or ebooks on home maintenance
Recommended: If you are interested in boost-starting your content marketing campaign, have a look at Sitetrail’s premium press release services.
Pay-per-click (PPC) advertising is another exceptionally powerful strategy to help extend your reach. In this model, you pay a fee each time one of your ads is clicked by a user.
One of the most popular forms of PPC involves bidding for ad placement in a search engine’s sponsored links, which then appear when someone searches for a keyword related to your business offering.
Here are some tips to maximize the utility of this strategy:
- Choose relevant keywords: Use tools like Google’s Keyword Planner to find words and phrases that people use when searching for home insurance
- Create engaging ads: Your ads should highlight the benefits of your insurance products and encourage viewers to click for more information
- Track your results: Use analytics to see which ads and keywords are most effective and adjust your strategy accordingly
One crucial tip for using PPC ads effectively is to set a clear budget for your advertising campaigns. By determining how much you’re willing to spend on ads each day or month, you can better manage your costs while still reaching a wide audience.
Building a Website
A professional website is vital for establishing credibility and growing your client base. It serves as a 24/7 hub for potential customers to find out more about your business and its offerings.
Below, we’ve explored some key principles to keep in mind when designing your website:
- Make it user-friendly: Your website should be easy to navigate, with clear information about your products and how to contact you
- Optimize for search engines: Use search engine optimization (SEO) techniques to make your website more visible in search engine results
- Include a blog: As mentioned earlier, a blog can attract visitors by providing useful information (e.g., detailed information related to renters insurance, health insurance, etc.)
Website builders have revolutionized the process of website creation, making it quick, easy, and affordable for anyone to design a functional and attractive website regardless of their technical experience.
We recommend the GoDaddy Website Builder as a small insurance agent company. GoDaddy meets most small business needs while providing an extremely straightforward user experience.
Tips for Selling Home Insurance
Selling home insurance successfully involves more than just marketing. You also need to build relationships with clients and understand their needs. Here are some tips:
- Listen to your clients: Understand their needs and concerns to recommend the best insurance products
- Be transparent: Explain the policy’s terms clearly, including the benefits, costs, and requirements to carry homeowners insurance
- Cross-sell: Many insurance agencies choose to offer discounts on homeowners policies if a client buys auto insurance or other types of personal lines insurance
For more information, we recommend having a look at our How to Sell Insurance article.
How to Become a Home Insurance Agent
If you aren’t licensed in your state, you will need to do this before you start selling home insurance policies.
Even though the specific process for this can vary from state to state, you will generally need to complete the following steps in order to get a home insurance license:
- Complete a pre-licensing education course in your state: This is a legal requirement in most states. Even where it is not required, we recommend purchasing a course in order to ensure that you pass your exam on your first attempt; this can end up saving you both money and time
- Take your state’s property and casualty insurance licensing exam: State insurance exams are generally administered by Pearson VUE, PSI, or Prometric. Line-specific outlines are offered to help with your preparation
- Get fingerprinted and/or a background check: The exact fee for this will be dependent on your state but is generally less than $100
- File an official license application: You can usually do this with your state’s Department of Insurance. (This can also be known as the Division of Insurance, depending on your location.)
Recommended: For more information, we recommend having a look at our state-specific How to Become an Insurance Agent article.
How to Sell Home Insurance FAQ
How do you sell home insurance effectively?
To sell insurance effectively, you will need to understand your client’s needs, offer them tailored policies, and deliver excellent customer service. Before you get started, you will be legally required to obtain a property and casualty license from your state’s Department of Insurance.
What license do I need to sell home insurance?
In order to sell homeowners insurance, you will need to obtain a property and casualty license. Getting an insurance license can be done by taking a pre-exam education course, passing your state’s exam, submitting a fingerprint and background check, and filing an official application with your state’s Department of Insurance.
Can I sell home insurance over the phone?
Yes, selling insurance over the phone is entirely feasible. The secret to selling insurance over the phone successfully is clear and effective communication. It’s also important to ask the right questions in order to ensure that you fully understand what each prospective client needs, as well as explain the details of your policies in a succinct and understandable manner.
Is the property and casualty exam hard?
The difficulty of the property and casualty license exam will depend on a variety of different factors, such as your location, preparation, and prior knowledge of the insurance industry. Having said that, the property and casualty exam is definitely passable on your first attempt (assuming you take an adequate amount of time to prepare).