How to Resell Home Insurance: A Comprehensive Guide April 11, 2023

How to Resell Home Insurance: A Comprehensive Guide

Are you looking for ways to boost your income and provide valuable services to your clients? If so, consider reselling home insurance policies. With the right approach and resources, you can make a profit while helping homeowners protect their properties and assets. In this article, we’ll show you how to resell home insurance policies effectively, from choosing the right carrier to marketing your services and providing exceptional customer service.


Home insurance is a crucial investment for homeowners, protecting them from financial loss due to natural disasters, accidents, theft, and other unforeseen events. However, not all homeowners have access to the right policies or carriers. This is where resellers come in – by providing access to various policies, resellers help homeowners find the best coverage for their needs and budget.

As a reseller, you’ll need to have a solid understanding of home insurance policies, carriers, and regulations. You’ll also need to establish a business, market your services, and provide exceptional customer service. With these elements in place, you can build a profitable and fulfilling business while helping others protect their homes.


Understanding Home Insurance Policies

Before you can start reselling home insurance policies, you need to understand the different types of policies available and what they cover. Home insurance policies typically cover the following:

  • Dwelling: the structure of the home itself
  • Other structures: garages, sheds, fences, and other structures on the property
  • Personal property: furniture, appliances, clothing, and other personal belongings
  • Loss of use: temporary housing and living expenses if the home is uninhabitable
  • Liability: legal and medical expenses if someone is injured on the property or if you’re sued for damages
  • Medical payments: medical expenses if someone is injured on the property

Each policy has different coverage limits and deductibles, so it’s essential to read the fine print and understand the terms and conditions.

Choosing a Carrier

Once you’ve familiarized yourself with the different types of policies, you need to choose a carrier to work with. Consider the following factors when choosing a carrier:

  • Reputation: look for carriers with a solid reputation for customer service and financial stability
  • Products: choose carriers that offer a range of policies to meet the needs of your clients
  • Commission: find carriers that offer competitive commission rates
  • Support: look for carriers that offer training, marketing materials, and other resources to help you succeed

Obtaining a Reseller’s License

In most states, you’ll need a reseller’s license to legally sell home insurance policies. The requirements for obtaining a license vary by state but generally involve completing a pre-licensing course and passing a licensing exam. Check with your state’s Department of Insurance to learn more about the requirements and application process.


Setting Up Your Business

Once you’ve obtained your reseller’s license, you need to set up your business. This involves choosing a business name, registering your business, and obtaining any necessary permits or licenses. You’ll also need to set up a business bank account and keep accurate records of your income and expenses.


Marketing Your Services

There are various ways to market your home insurance reselling services. You can reach out to potential clients through social media, email marketing, networking, and advertising. Consider partnering with real estate agents, mortgage brokers, and other professionals in the housing industry to expand your reach. Additionally, consider offering special promotions and discounts to attract new clients and retain existing ones.


Selling Home Insurance Policies

When selling home insurance policies, it’s essential to identify the needs and budget of each client and offer policies that meet those needs. Provide clear explanations of coverage options, limits, and deductibles, and answer any questions or concerns the client may have. You’ll also need to obtain all necessary information and documentation from the client to complete the application process.


Providing Excellent Customer Service

Providing excellent customer service is crucial to retaining clients and building a positive reputation. Respond promptly to client inquiries and concerns and keep them informed of any updates or changes to their policies. Additionally, provide resources and guidance to help clients make informed decisions about their coverage and protect their homes.



Also Read: Why You Should Start a Reseller Business Right Now?

Handling Claims

In the event of a claim, it’s important to guide your clients through the process and advocate for their interests. Provide clear instructions on how to file a claim, and work with the carrier to ensure a prompt and fair resolution. Additionally, follow up with the client to ensure their satisfaction with the outcome.


Reviewing and Renewing Policies

Periodically review your clients’ policies to ensure that they have adequate coverage and are not paying for unnecessary or redundant coverage. Additionally, reach out to clients as their policies near expiration to discuss renewal options and any changes to their coverage needs.


Building a Strong Reputation

Building a strong reputation is crucial to the success of your home insurance reselling business. Focus on providing exceptional customer service, delivering on your promises, and going above and beyond to meet your client’s needs. Encourage satisfied clients to leave positive reviews and refer their friends and family to your services.


Staying Informed and Up-to-Date

Stay informed about industry trends, new products, and changes to regulations and laws. Attend industry conferences, read industry publications, and stay in touch with other professionals in the housing industry to stay up-to-date on developments and opportunities.



Reselling home insurance policies can be a rewarding and profitable business venture, providing valuable services to homeowners while generating income for yourself. By choosing the right carrier, establishing a solid business, marketing your services effectively, providing exceptional customer service, and staying informed and up-to-date, you can build a successful and fulfilling career in home insurance reselling.



Also Read: How to Become a Prepaid Dealer: A Step-by-Step Guide


  1. Do I need to have experience in the insurance industry to become a home insurance reseller? No, you do not need to have prior experience in the insurance industry. However, you will need to complete a pre-licensing course and pass a licensing exam to obtain a reseller’s license.
  2. How do I choose the right carrier to work with? Consider factors such as the carrier’s reputation, products, commission rates, and support when choosing a carrier to work with.
  3. How do I market my home insurance reselling services effectively? Consider social media, email marketing, networking, advertising, and partnerships with other professionals in the housing industry to market your services effectively.
  4. What should I do if a client files a claim? Guide the client through the claims process, advocate for their interests, and follow up with them to ensure their satisfaction with the outcome.
  5. How can I build a strong reputation as a home insurance reseller? Focus on providing exceptional customer service, delivering on your promises, and going above and beyond to meet your client’s needs. Encourage satisfied clients to leave positive reviews and refer their friends and family to your services.
  6. Can I resell home insurance policies in all states? No, the regulations and requirements for reselling home insurance policies vary by state. You will need to research and comply with the laws and regulations in your state.
  7. How much commission can I earn from reselling home insurance policies? Commission rates vary by carrier and policy type, but you can typically earn a commission of 10-15% of the policy premium.
  8. How often should I review my clients’ policies? It’s a good practice to review your clients’ policies annually or whenever there are significant changes to their homes or lifestyles that may affect their coverage needs.
  9. What are some common types of home insurance policies? Common types of home insurance policies include HO-1, HO-2, HO-3, and HO-5 policies, which provide varying levels of coverage for different types of perils.
  10. Can I offer other types of insurance policies in addition to home insurance? Yes, you can offer other types of insurance policies such as auto insurance, life insurance, and health insurance, depending on your licensing and carrier agreements.

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