HomeCover HQ
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Buy exclusive renters and home insurance leads

HomeCover HQ captures consumers comparing renters, homeowners, condo and mobile home insurance and routes each enquiry to one licensed local agent. Leads are exclusive, priced per lead, and you only pay for leads that meet the chargeability rules.

44,590,828renter households behind the demand pages
$171average annual renters premium, countrywide
$45per exclusive direct lead, no contract
Join the agent network

One lead, one company

Shared-lead marketplaces sell the same homeowner to four or more competitors and let you race to the phone. Every lead here routes to exactly one company: yours. No resale, no bidding against the same enquiry you just paid for.

The economics, measured

Countrywide, the average annual renters premium in the index is $171, and the NAIC's homeowners (HO-3) average runs about nine times higher. An exclusive lead is $45. Policies renew year after year, and you see the masked preview before a credit leaves your balance.

Prepaid credits, one credit is one dollar, and the rate card is published. A lead is chargeable only when its contact details verify; invalid details credit back automatically. Launch pricing from market comparables; re-derived from recorded outcomes as they accrue.

NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

How it works

  1. Request an invite

    Tell us your agency, state license and lines written. Onboarding is manual and license-checked while the network is small; that is deliberate.

  2. Fund credits, see previews

    Load prepaid credits and watch masked previews arrive: coverage type, location and situation summary before you spend anything.

  3. Unlock leads that fit

    Unlock the ones you want. The consumer's details go to you and nobody else, and invalid contacts credit straight back.

Where the demand is now

Coverage grows state by state. Join early and your service area gets priority as volume builds.

Lead types

Each lead type has its own page with pricing, sourcing and the questions pros ask.

Questions pros ask

Are the leads really exclusive?

Yes. One lead is routed to one agent and is never resold. Shared-lead marketplaces sell the same consumer to four or more competitors; this network does not.

What does a lead cost?

The published rate is $45 per exclusive direct lead, paid from prepaid credits. There is no subscription and no monthly minimum.

What if the contact details are wrong?

The charge reverses automatically. You pay for reachable enquiries, not for form fills.

Am I locked into a contract?

No. Credits are pay-as-you-go, and you can pause or stop at any time.

Where do the leads come from?

The consumer side of this site publishes a rates index built from NAIC premiums and Census records for 44,590,828 renter households, and answers the insurance-cost searches consumers actually make. When a reader asks for quotes, that enquiry becomes a lead.