How it works

Three steps to start.
Then it compounds.

This page is the whole machine — the data, the sequence, the reply grading, and the clock from signature to your first qualified lead.

The short version

Three steps. The rest of this page is the detail.

  1. 01

    Claim your territory

    Pick 100–500 ZIP codes. Once they're yours, we won't sell them to another agency — first come, first served, no exceptions.

  2. 02

    We run the outreach

    A personal three-email sequence, seven days apart, sent from warmed domains that carry your agency's name — timed to land 30–45 days before renewal.

  3. 03

    Replies land where you work

    An interested homeowner writes back, you get a Slack ping and a full record in your CRM within minutes. You quote. We keep sending.

Data & targeting

Start from 275M+ records. End with your list.

Every campaign is cut from a national homeowner database and filtered five ways, so the only people who get an email are the ones worth your time to quote.

FILTER 01

ZIP code

Only the ZIPs you've locked. Nothing outside your territory, ever.

FILTER 02

Home value

A floor and a ceiling, so outreach matches the book you actually want to write.

FILTER 03

Renewal window

Timed so the email lands 30–45 days before the policy renews.

FILTER 04

Ownership length

Long-tenured owners — the ones least likely to have re-shopped in years.

FILTER 05

Income band

Estimated household income, so the premium conversation fits the household.

How we know when a policy renews

We don't — not exactly. Nobody outside the carrier does, and any vendor who tells you otherwise is selling you something.

What we do know is when the home was purchased, because closing dates are public record — and home policies typically renew on the closing anniversary. We model the renewal month from that. Most of our outreach lands inside the 30–45 day window. Not all of it. A policy that was rewritten mid-term drifts off its anniversary, and for those homeowners the email arrives early or late instead of on time.

When it does, the email is still a relevant note from a local agency to a homeowner who pays for insurance — and the ones who reply are still shopping. We'd rather explain how the model works than pretend we have carrier data nobody sells.

The sequence

Three short emails that read like a person wrote them.

Plain text, first person, your agency's name on every one. No logos, no image banners, no "Dear Valued Homeowner." That's why people write back.

  • Three emails over 14 days — seven days apart, then the sequence ends
  • Sent from warmed domains carrying your agency's name — the homeowner is talking to you from the first sentence
  • Your real domain is never touched — zero deliverability risk to the email you run your business on
  • A reply exits the sequence instantly — nobody who answers ever gets another automated touch
Sample email
EI

Ellis Insurance Group

Subject: Your policy renews in March

Hi Dana — if our records are right, your homeowner's policy comes up for renewal in March. Most owners haven't had a second set of eyes on their coverage since the year they bought the house.

We're a local independent agency, and we'd be glad to run a comparison before the renewal lands. It takes about a day and there's no obligation — just reply here and we'll get started.

— Jordan, Ellis Insurance Group

Reply handling

Every reply gets read. Few get billed.

Replies come back to us first, where each one is read and graded before anything reaches you or your bill.

Disqualified automatically

  • Bounces and out-of-office auto-replies
  • Unsubscribes and opt-outs
  • Wrong contacts — moved, deceased, not the owner
  • Hostile replies and "no thanks"

None of these ever appear on an invoice. You pay for interest, not for volume.

Qualified leads, delivered in minutes

  • Your inbox — the full reply thread, verbatim, plus the enriched record
  • Slack — a ping the moment the reply grades qualified
  • Your CRM — pushed by webhook, no CSV exports, no copy-paste

A qualified lead is a homeowner asking for a quote, asking what you'd charge, or asking to be called — in their own words.

Storm response

When hail hits your ZIPs, we're already writing.

After a major wind or hail event in your territory, we run an additional outreach wave — separate from the renewal calendar — while coverage is on homeowners' minds. It's the week people discover their deductible, question their carrier, and actually answer email about insurance.

  • Included, no extra cost — storm-wave replies are billed at your same per-lead rate
  • Your ZIPs only — the wave runs inside your locked territory, so every reply it produces is yours

Compliance

Compliance, handled.

Commercial email to homeowners is legal under CAN-SPAM and needs no prior consent — unlike cold calls and texts, which fall under the TCPA. Here's what we do to keep every send clean.

Real identity

Every email identifies the actual sender — your agency, by name. No misleading subject lines, no spoofed headers.

Physical address

A physical mailing address appears in every message, exactly as CAN-SPAM requires.

One-click unsubscribe

Honored instantly. One click and the contact never hears from the campaign again.

Suppression & state rules

Opt-outs go onto a permanently maintained suppression list, and state-specific rules are respected wherever they're stricter.

The consent gap matters: TCPA rules make cold calls and texts to homeowners legally risky, which is one reason we send email and only email.

Timeline

Day 0 to day 21

From signature to first qualified lead in about three weeks. Here's where the time goes.

  1. Day 0

    Onboarding call. Territory locked.

    You pick your ZIP codes and they lock on signature — from this moment, no other Homefield agency can be sold into them.

  2. Days 1–14

    Domain warmup and list build

    We warm sending domains that carry your agency's name and cut your list from 275M+ homeowner records using the five filters above.

  3. Day 15

    First sends go out

    The three-email sequence starts landing, timed to arrive 30–45 days before each homeowner's modeled renewal.

  4. ~Day 21

    First qualified leads arrive

    The first interested replies come back, get graded, and land in your inbox, Slack, and CRM within minutes.

  5. Ongoing

    Continuous sending, monthly review

    New renewal windows open every week, so sending never stops — and targeting gets reviewed monthly. If quality dips, we re-cut it; you're billed per qualified reply, so weak targeting costs us first.

Let's see if your ZIPs are open.

Fifteen minutes. We'll pull your territory live on the call, show you real replies from agencies your size, and tell you honestly if this beats what you're already running.

Book a call See pricing →