Home Insurance Cold Calling Script
Home insurance cold calling script that converts 6% of conversations to quotes.
1The Opener
Hi, is this {{prospect_name}}?
Great! This is {{your_name}} with {{your_company}}. I'm reaching out to homeowners in {{area}} because home insurance rates have been changing a lot lately, and I wanted to make sure you're not overpaying.
Do you have just a minute? I'm not trying to sell you anything—I just want to see if a review might save you money.2Discovery & Pitch
Perfect. When's the last time you reviewed your homeowner's insurance?
[LISTEN]
[If over a year:] Got it. A lot can change in a year—new discounts become available, your home's value changes, and rates shift. I've been saving homeowners in {{area}} an average of {{average_savings}} per year. Would a quick comparison be worth it?
[If recent:] That's good—you're staying on top of it. Did you shop across multiple carriers? [Listen] We work with {{number_carriers}} carriers, so we can often find rates you wouldn't find shopping on your own. Would a second opinion hurt?
Let me ask a few quick questions: How much is your current premium? [Listen] And what's your deductible? [Listen] Based on that, I think we might be able to get you similar coverage for around {{estimated_premium}}. Would you like to see a full quote?3Objection Handlers
Click an objection to see the response. Practice these until they're automatic.
Your Response
Smart—bundling usually saves money. But here's the thing: sometimes splitting them up actually saves more. And if we can beat your home rate, we might be able to beat your auto rate too and give you a better bundle. Would it be worth checking?
4Closing Options
Would {{day}} at {{time}} work for a quick quote?
Let me get a few details and I'll have quotes ready tomorrow. What year was your home built?
I can run some numbers right now. What's your current coverage amount?
Voicemail Script
Hi {{prospect_name}}, this is {{your_name}} with {{your_company}}.
I'm calling homeowners in {{area}} because home insurance rates have been changing, and I want to make sure you're not overpaying.
A quick review could save you {{savings_range}} per year.
Call me back at {{your_phone}}. Again, {{your_phone}}. Thanks!Variables to Customize
{{prospect_name}}Homeowner's name{{your_name}}Your name{{your_company}}Your agency{{area}}Their area{{average_savings}}Average savings{{savings_range}}Savings range{{number_carriers}}Number of carriers{{estimated_premium}}Estimated premium{{day}}Suggested day{{time}}Suggested time{{your_phone}}Your phonePerfect For
- Independent agents doing home quotes
- Agencies running homeowner campaigns
- Agents cross-selling from auto
Not Ideal For
- High-risk property markets
- Agents without competitive home carriers
Pro Tips
Know local market rates before calling
Ask about bundling opportunities
Mention inflation protection
Common Mistakes
Not asking about coverage limits
Ignoring deductible preferences
Forgetting to mention bundling
Practice Exercises
Practice explaining coverage differences
Role-play the 'bundled with auto' objection
Tone & Delivery
Helpful and knowledgeable. You're protecting their biggest asset.
Related Scripts
Scripts Are Just Words Without the Reps
We make thousands of calls every week. Let us handle the prospecting while you close deals.
Book Your Strategy Call