Home InsuranceLive Transfers

Overview

What Home Insurance Live Transfers is

Home Insurance Live Transfers are consumers qualified by our team and warm-transferred to your agents, generated by Altarious Global performance campaigns and delivered to your business in real time. Reach homeowners comparing homeowners insurance at purchase, renewal or after a non-renewal notice, and connect them with licensed agents.

Live Transfers for home insurance filter out properties that fall outside a carrier's appetite before an agent is engaged. Our team confirms state, property type, ownership status, roof age, current coverage and reason for shopping, then warm-transfers the homeowner to a licensed agent who can quote the risk. This is especially useful in markets where eligibility rules are strict on roof age, distance to coast or protection class, because the pre-screen prevents agents from spending time on properties they cannot write and routes harder risks to teams with surplus lines access.

This product is suited to insurance businesses with a team ready to answer during defined hours, a clear view of the consumer they want, and the capacity to convert a live conversation. The acquisition objective is simple: put your team in front of home insurance consumers at the moment they are deciding.

Target consumer

Homeowners and buyers under contract who need to place or replace coverage on a primary residence, second home or rental property. The most valuable segments are recent purchasers with a closing date, homeowners facing renewal increases or non-renewal, and those bundling home and auto to reduce total premium.

Consumer intent

Typical intent signals include: searching for homeowners insurance quotes or rate comparisons; under contract on a home purchase with a closing date approaching; renewal notice received with a significant premium increase; non-renewed or dropped by current carrier.

How live transfers are generated

Consumers are acquired through performance campaigns targeting searches such as "homeowners insurance quotes" and "home insurance near me", plus social and comparison placements. Interested consumers speak with our qualification team before any transfer is attempted.

Qualification approach

Qualification is configured to your appetite. Standard home insurance criteria include: owns or is closing on a residential property in a state the buyer writes; property type, approximate age and construction confirmed; roof age and condition within the carrier's acceptable range; current coverage status and reason for shopping stated; no recent unresolved claims that would exclude the risk; policy decision maker interested in a quote today.

Delivery process

Once qualified, the consumer is bridged directly to your designated number or queue with a warm introduction. Delivery runs only during your operating hours with daily caps, and you can pause or adjust criteria at any time.