Start with the homes you can insure
Write down the states and ZIP codes you serve, your carriers’ current appetite, the property types you can consider, and the information needed to determine fit. Then ask how a provider’s filters map to those requirements. A large territory is not useful if most of its homes are outside your market. Before you compare providers, use the insurance lead territory planning guide to size the ZIPs you can serve.
Also define capacity. How many new conversations can your team review, quote, and follow up on each week? The right source should fit a real producer workflow. Buying more inquiries than the team can handle makes it difficult to evaluate the channel fairly.
Build a shortlist by lead format
This is Homefield’s buying guide, not an independent ranking or an exhaustive directory. The examples below are selected to explain different ways an agency can start a homeowner conversation. Review each provider’s current offering and your proposed order.
- EverQuote: a candidate to evaluate for online home quote requests and available call products. Start with its home leads page. Already using it? Compare EverQuote alternatives.
- QuoteWizard: a candidate for home web leads and home live-transfer options. Review its home insurance offering. Already using it? Compare QuoteWizard alternatives.
- Homefield: a managed outbound email program that sends approved messages in your agency’s name and delivers exclusive interested replies. See how email-generated insurance leads work.
You can also compare a managed provider with running your own campaigns. In that case, include audience preparation, sending operations, response handling, software, and staff time in your internal cost estimate. A raw contact list does not perform that work for you.
Provider descriptions last reviewed September 2026 on each company’s own agent pages, linked above. Provider offerings can change; confirm your exact product and order before buying. Homefield is not affiliated with EverQuote or QuoteWizard.
Ask to see the evidence of interest
For a web lead, ask what the homeowner requested. For a call, ask how the caller was qualified and what your agent hears before accepting it. For an email reply, read the actual conversation. The delivery method alone does not tell you how the lead was generated.
Homefield bills for a homeowner’s interested reply asking about a quote, coverage comparison, pricing, or a conversation. Bounces, automatic responses, declines, opt-outs, duplicates, wrong contacts, and out-of-territory replies are excluded. See the illustrative lead record to understand the information your agency receives. To compare what each format proves, use the insurance lead quality checklist.
Get precise about shared and exclusive leads
Ask how many buyers can receive the same inquiry, whether carrier overlap is limited, and what the provider means by territory protection. An exclusive record and an exclusive territory are different promises. Neither means the homeowner has agreed to stop shopping.
Homefield does not share or resell qualified replies and assigns one home insurance agency per ZIP within its own network. Our shared versus exclusive comparison explains the questions to ask across formats.
Compare total cost and the rules around it
Request a written lead price, filter charges, any setup fee, billing schedule, spending cap, cancellation notice, and invalid-lead process. Record what counts as a credit and how long you have to request it. An inexpensive lead that does not fit your carriers still consumes producer time. Run every quote through the same cost per written policy calculator.
Homefield publishes $25–$35 home insurance lead rates, with a minimum of 60 leads and $2,100 per month. Use the exact tier in your order and your own outcome assumptions. Our EverQuote, QuoteWizard, and Homefield comparison helps you organize the product decision without inventing competitor prices.
Use a scorecard before signing up
- Which homes and territories can this program reach?
- What did the homeowner do to express interest?
- Who else receives or can market the same lead through this provider?
- What is included in the record, call, or reply thread?
- What are the full costs, cancellation rules, and credit deadlines?
- Who on our team will work these leads, and how?
- What measurable trial would make the decision clear?
Ask for a demonstration using a sample with personal details removed. Confirm that your team can use the workflow before buying volume. Then measure your own quotes and policies from a defined group of leads; use those results to decide whether to expand.