Scripts/Insurance

Home Insurance Cold Calling Script

Home insurance cold calling script that converts 6% of conversations to quotes.

Conversion Rate
6%
Avg Duration
3-4 minutes
Dials/Appt
16-20 dials
Best Time
Tuesday-Thursday, 10am-12pm or 4pm-6pm

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 phone

Perfect 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

1

Practice explaining coverage differences

2

Role-play the 'bundled with auto' objection

Tone & Delivery

Helpful and knowledgeable. You're protecting their biggest asset.

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