10 Home Insurance Affiliate Programs

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Hello there Sea Changers. Welcome back to my series of program lists to assist those of you looking to fund your sea change with affiliate marketing. Today we are going to continue our breakdown of the insurance niche with my 10 home insurance affiliate programs to lock up in 2021. This post has come about from a recent one I did covering insurance programs as whole where it quickly became evident that there is so much to choose from within this niche that I have had to expand on every example I had included.

So for those looking to specialise within the home insurance market, or add to any other home related niche, let's check out what I have found.

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Before we begin however, I am conscious that there are a number of different areas or sub niches within this subject hence the quantity of affiliate programs to choose from may be just as large. So how have I picked my best 10? Well… I really just wanted to give you a good cross section of what is out there so I did some searching around and checked a few out and chose them by looking at:

  • What they offer
  • Commission rates
  • Payment terms
  • Cookie duration
  • Application processes
  • Affiliate/Marketing materials provided

Before we start however, let's have a look at what I mean by the term ‘home insurance' and how it can be incorporated within an affiliate marketing website…

What do we mean by Home Insurance?

Most of us know insurance as that little bit of peace of mind when it comes to protecting ourselves and our valuables. And in this case we are discussing the protection of perhaps the largest investment that many of us will make in our lifetime – our home. And as with most other insurance based companies in recent times, many have not only taken their business online but also added extras such as loyalty programs, extra security options and memberships to other ‘clubs' etc too.

Added to this is the fact that I don't think people are going to stop building or purchasing homes any time soon so as we start to check out our home insurance affiliate program options we can consider the following:

  • Home insurance
  • Contents insurance
  • Flood
  • Condo
  • Landlord/Renters
  • and so on
Home insurance affiliate - Stripe

Legalities and Financial Implications

Before we begin however, there are a couple of things I just wanted to to cover. Firstly it should be highlighted that legalities around the sale of insurance policies vary substantially from country to country or state to state. Secondly, by nature, the acquisition of an insurance policy can place users into a contracted arrangement in which policy payments must be made in accordance with contract outlines and inclusions.

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So if you are looking at this from an affiliate marketing point of view, great care must be given as to whether you could be construed as giving actual financial or insurance advice or not as many countries also regulate those who are legally able to do so. With all that in mind then, the list of affiliate programs below is provided on a factual basis only and due diligence should be undertaken in regards to their jurisdictional legalities prior to applying. They are also not provided with any advice in regards to the acquisition or use of these insurance policies.

So, now that that is all out the way… Let's check out the 10 I have found below:

1. Liberty Mutual

Insurance affiliate programs - Liberty mutual

Let's start with one of the biggest insurers in the United States in Liberty Mutual. Founded in 1912, the organisation has grown to become the 6th largest insurer in the world with a massive home insurance related portfolio including:

  • Home
  • Renters
  • Condo
  • Landlord
  • Mobile Home Insurance
  • Flood

And for those looking at other insurance related affiliate programs, they also offer:

Auto & Vehicle

  • Car
  • Motorcycle
  • Boat & Watercraft
  • Antique & Classic Car
  • ATV & Off-Road Vehicle
  • Recreational Vehicle (RV)

Other

  • Umbrella
  • Life
  • Accident
  • Critical Illness
  • Identity Theft
  • Pet
  • Tuition
  • Small Business

And as is becoming more and more common these days, they offer discounts for online management as well.

Insurance affiliate programs - Liberty mutual stripe

This is a great site for affiliates as it allows you to cover all aspects of home (and other) insurances in the one spot. It would also make a great addition to any niche dealing home insurance, new homes, real estate, renovation or other niches listed in the categories above too.

Insurance affiliate programs - Liberty mutual affiliate

Commission Rate:

  • Home Insurance: $10 per lead
  • Renter Insurance: $3 per lead
  • Multi Policy: $17 per lead

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, Liberty Mutual's affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the Liberty Mutual affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links, bonus commission promotions

Join the Liberty Mutual affiliate program here


2. Allstate

Insurance affiliate programs - Allstate

Allstate is another large and well-known insurance company that is “committed to make a difference”. Their range of policy options is almost too large to list here however their main home insurance products include:

  • Home
  • Renters
  • Condo
  • Flood
  • Landlord

Like most others here, they also offer a great range of services in other common areas as well such as auto, RV, business and life insurance.

Insurance affiliate programs - Allstate stripe

This site would definitely make a great baseline for any home insurance based affiliate business or again, as an add on to any home related site or other insurance options above (motorbike, car, business etc.). They also offer some great range of tools and resources to assist your readers and/or provide good post options for your site as well.

Insurance affiliate programs - Allstate affiliate

Commission Rate:

  • Renter's Insurance – $5
  • Home Insurance – $20

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, the Allstate affiliate program is managed by Impact. You will be required to apply for an account then for the Allstate affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links, banners

Join the Allstate affiliate program here


3. AA

Home insurance affiliate - AA

As with the first two sites above, AA is a popular U.K. based insurance company offering insurance across a large number of categories which obviously includes home insurance. This includes:

  • Home
  • Contents
  • Building

And again as per those above, they also offer insurance in other common areas such as vehicle, money and travel as well as breakdown services too.

Home insurance affiliate - AA stripe

There is definitely enough on this site to base any general home insurance related affiliate business upon or as an add on within any mainstream real estate, finance, lending or investments site as well. And to assist with reader information there is also a range of home contents calculators and an ‘advice' blog too.

Home insurance affiliate - AA affiliate

Commission Rates:

  • £30 – £50 policy earns £5
  • £51 – £100 policy earns £10
  • £101 – £150 policy earns £15
  • £150+ policy earns £20

Payment Terms: Monthly.

Cookie Duration: 30 Days

Application required?: Yes, AA's affiliate program is managed by Awin. You will be required to apply for an account then for the AA affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

Join the AA affiliate program here


4. esure

Insurance affiliate programs - esure

esure is a U.K. based company that have converted their original “direct-selling insurance over the telephone” model into an online based operation offering a streamlined process for the purchase of home insurance by their customers. There are also specialised options car and travel policies as well.

Home insurance affiliate - esure

This would make a great addition to any home insurance affiliate site or as usual, a decent side link to anybody looking to add to their home security related niches too.

Insurance affiliate programs - esure affiliate

Commission Rate:

  • £25 per auto insurance policy
  • £15 per Buildings and Contents joint schedule
  • £8 per single home policy

Payment Terms: 90 Days

Cookie Duration: 30 Days

Application required?: Yes, esure's affiliate program is managed by AWIN. You will be required to apply for an account then for the esure affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links

Note: Car and Home Insurance affiliate programs run separately.

Join the esure affiliate program here

5. Electric Insurance Company

Insurance affiliate programs - Electric Insurance

As with the sites above, Electric Insurance Company is a “licensed property/casualty insurer” offering a good range of home related products including:

  • Home
  • Umbrella
  • Flood

And again, this site also offers a number of other options including Auto and Watercraft/RV insurance as well as services such as:

  • Risk Coach™ Tool
  • MyAccount Policy Management Center
Insurance affiliate programs - Electric Insurance Stripe

As with most of the insurance sites listed here, this is maybe enough to build an affiliate marketing business around however it would be a great companion/add on to just about any finance, investment or homemaker related site possible.

Insurance affiliate programs - Electric Insurance Affiliate

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, you will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

Join the Electric Insurance Company affiliate program here

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6. HomeProtect.co.uk

Home insurance affiliate - homeprotect

As the name suggests, HomeProtect.co.uk is a U.K. based insurance company specialising in home insurance policies in the following forms:

  • Building and contents
  • Building only
  • Contents only

These policies cater for the following:

  • Unoccupied property
  • Holiday homes
  • Let property/landlords
  • Listed buildings
  • Bankruptcy
  • Convictions
  • Subsidence history
  • Previous underpinning
  • Flood history/Flood
  • Home business use
  • Insurance refused
  • Probate
  • B&Bs;
  • Lodgers/Airbnb
  • House shares
  • And many more!

All policies include basic legal expenses and home emergency included as standard with a claim that “80% saved money when they switched to HomeProtect”.

Home insurance affiliate - homeprotect stripe

This one has maybe enough to build an affiliate marketing business around however it would be a great companion/add on to just about any home, holiday, finance, investment or homemaker related site possible.

Home insurance affiliate - homeprotect affiliate

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, you will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

Join the HomeProtect.co.uk affiliate program here

7. hippo

home security affiliate programs - Hippo

As with the previous site above, hippo is an online based home insurance company offering “modernized coverage for the way homes are used today on things like electronics and home office equipment”. On top of their discounted home and contents insurance, they also offer a range of home security related services such as:

  • Smart home monitoring systems
  • “Hippo Home Care Pro” phone app
  • Self and professional monitoring systems
home security affiliate programs - Hippo stripe

There is probably not enough to base an affiliate business on here however it would work well as an add on to any general home insurance, smart home, finance, lending or investments site as well. And to assist with reader information there is also a fantastic ‘learning center” blog too.

Commission Rate: Up to $25 per sign up

Payment Terms: Monthly.

Cookie Duration: 90 days

Application required?: Yes, hippo's affiliate program is managed by Share-A-Sale. You will be required to apply for an account then for the hippo affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

Join the hippo affiliate program here

8. USAA

Credit Card affiliate programs - USAA

Now, I covered this one in my credit card affiliate programs post and stated then that is more of an overall financial services company than just one looking at a particular area. I have included it here again however as USAA also provides insurance services to U.S. military members, their spouses and children. Their offerings in this area cover all types of insurance with home related products including:

  • Home
  • Condo
  • Landlord/Renters
  • Valuable property
  • Contents
  • Umbrella
  • Flood

And for those in the greater financial services niches they also offer a great range of:

  • Banking: Checking & Deposits, Credit cards
  • Investments: Brokerages, Mutual Funds, IRAs
  • Loans: Mortgages, Home Equity Line of Credit, Auto Loans
  • Insurance: Auto, Life
  • Shopping deals and discounts
Home insurance affiliate - USAA stripe

Obviously this site would work best as a base or add on to any general home insurance related affiliate business or incorporated within any mainstream finance, lending or investments site as well especially where the focus is on the military. And to assist with reader information there is also a fantastic range of calculators and a financial blog too.

Commission Rate: Up to $80 per sign up

Payment Terms: Monthly.

Cookie Duration: Not Stated

Application required?: Yes, USAA's affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the USAA affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

Join the USAA affiliate program here

9. Lemonade

Insurance affiliate programs - Lemonade

Lemonade is one of a new breed of insurance companies that is attempting to disrupt the industry via offering such incentives as givebacks of unclaimed policy fees and fast claim returns. Boasting a “fast, affordable and hassle free” insurance experience, Lemonade offers homeowner and renters insurance policies at online prices. They also do pet insurance as well.

Insurance affiliate programs - Lemonade stripe

This would make a great addition to any insurance or financial services affiliate site or as a baseline for those looking to work within the world of home, security and/or pets. There is also a fantastic blog section outlining everything you could need to assist in your affiliate posts.

Insurance affiliate programs - Lemonade affiliate

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links

Join the Lemonade affiliate program here

10. gabi

Home insurance affiliate - gabi

gabi is not an insurance company as such rather an insurance comparison site (like Booking.com or Trivago in the travel industry but for insurance) that provides policy comparisons from over 40+ insurance providers. With a site outline of allowing users to “find and switch to a cheaper insurance rate within minutes for free”, gabi opens access to providers offering various home related insurance options such as:

  • Home
  • Condo
  • Landlord/Renters
  • Contents
  • Contents
  • Umbrella
  • Flood
  • And so on

They also offer comparisons for auto insurance as well.

Home insurance affiliate - gabi stripe

Obviously this site would work best as a base or add on to any general home insurance related affiliate business or incorporated within any mainstream finance, lending or investments site as well especially where the focus is on budget options.

Commission Rate: $5 + per sign up

Payment Terms: Monthly.

Cookie Duration: 90 days

Application required?: Yes, gabi's affiliate program is managed by Share-A-Sale. You will be required to apply for an account then for the gabi affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

Join the gabi affiliate program here

How to find your own affiliate programs

As stated earlier, by outlining the sites above I have really just tried to give you a good cross section of the types of programs that are out there by listing the really good ones in each ‘category'. That does not mean that you cannot find affiliate programs that better suit what it is that you are trying to do within this space especially as I could never even begin to cover every home insurance related requirement or sub niche in the one post. Luckily for us, there is a simple way to find these programs online.

All you need to do is enter “affiliate: niche type” into your search engine (substituting ‘niche type‘ for whatever product it is that you are choosing to sell).

Home insurance affiliate - affiliates

There are insurance affiliate programs for everything else that we have listed at the top of this page as well – you will just need to have a look around until you find one or two that suit your site. Once you have completed your searches, you can look through and find programs that:

  • Relate to your niche/problems that you are solving.
  • Have quality products – your brand can be severely damaged if you promote poor quality or untrustworthy products.
  • Have solid payment and customer service arrangement.
  • Pay decent commissions.
  • Have good testimonials covering commission payouts and quality of product.

In most cases, you will need to apply for the program before you are allowed to promote their products – don’t take this step lightly or you will be rejected. Affiliate programs will generally want to know:

  • Your website name.
  • Traffic levels.
  • Why you want to join – (so I can make money by selling your contents insurance is unfortunately not generally a good enough answer).
  • How you plan to promote their products.

Conclusion

So… There are 10 of the best home insurance affiliate programs to lock up in 2020. I hope it has been helpful for you as you commence your own insurance based affiliate marketing business and as usual, please do not hesitate to comment below if you have any questions, need some advice or have any experiences to share. Oh, and especially comment if you have any experience with these, or any other programs as well.

Until next time

Have fun

Paul

Note: If you make a purchase from this page, there is a very good chance that I make a commission from it – these commissions do not increase your sale price. This may include sales via Wealthy Affiliate.

Do you want further assistance with any of the above or need help to build your own insurance or finance based website?

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Hey there, my name is Paul and I am the owner and founder of Make That Sea Change.  I spent 30 years in a cubicle working the 9 to 5 grind and just wanted to live at the beach.  I was lucky enough to achieve that with the help of my wife and our new Pilates studio.

Then I decided to help fund my new sea change with some affiliate marketing.  I joined Wealthy Affiliate, and as they say, the rest is history.

Let me know how I can help you fund your sea change today!

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