A bundling-driven, rate-sensitive market
Home insurance shoppers rarely act in isolation — coverage is tied to mortgages, often bundled with auto, and increasingly re-shopped as premiums rise. That makes timing and intent everything: the homeowner who just bought, refinanced, or got a renewal notice is the prospect carriers and agencies compete hardest to reach.
How Calma generates home insurance leads
We run user-acquisition campaigns across paid social and video, then qualify and route the resulting homeowners to buyers. AI identifies the audiences most likely to be in-market; creative is tested continuously and optimized to cost per qualified lead; and every record is checked for authenticity, consent, and contactability before it leaves our system. The result is a lead stream measured by contact rate and buyer conversion — not raw traffic.
Compliance comes first
Home insurance is a regulated, consent-sensitive vertical, and the rules keep moving. We build consent capture and verification into the funnel from the start — designed around TCPA and the FCC one-to-one consent framework, with Special Ad Category requirements applied on Meta where relevant. Compliance is treated as a precondition for a quality lead, not an afterthought.
