Path 1 · DIY
Install the system yourself
Wire CRM offline conversions, build compliance-grade landing pages, and pre-stage seasonal campaigns yourself. For licensed operators ready to do the work.
Home insurance is a timing game. New homeowners MUST have coverage before closing — you have a 14-day window. After a hurricane or hailstorm, every carrier and agency floods Google Ads and your CPCs triple overnight. Your best growth strategy is bundling home + auto, but your campaigns only target home insurance keywords. You need a system built for the rhythms of your business — seasonal surges, closing deadlines, and the bundle that turns a $1,500 policy into a $10K lifetime client.
Pick how you want to fix the signal layer
Wire CRM offline conversions, build compliance-grade landing pages, and pre-stage seasonal campaigns yourself. For licensed operators ready to do the work.
$15-35
Normal season; storm events can push $40-60+
$50-120
Varies significantly by season and geography
25-35%
Higher for new homeowners (mandatory purchase)
$8,000-15,000
Home + auto bundle over 5-7 year average retention
Hurricane season, hailstorms, wildfires — every major weather event sends carriers, agencies, and restoration companies flooding into Google Ads. Your normal $15-25 CPCs jump to $40-60 overnight. Your $3K monthly budget burns through in a week. And half the people clicking are filing claims, not shopping for new coverage.
Someone closing on a house in 2 weeks MUST have homeowner's insurance. That's the highest-intent search you'll ever find. But you're not targeting 'homeowners insurance for new home' or 'insurance before closing' — you're bidding on generic 'home insurance quotes' alongside every carrier in America.
A standalone home policy is worth $1,500/year. A home + auto bundle is worth $3,500/year with 2x the retention rate. But your landing page only mentions home insurance. Nobody sees the bundle opportunity until they're already on the phone with you — if they even call.
A homeowner who bundles auto is worth $3,500/year and stays 5-7 years. A single-policy shopper who found you on Google is worth $1,500 and switches carriers next year when rates go up. Google can't tell the difference — it sends you whoever fills out a form fastest. Without quote-to-bind data that tracks bundling, the algorithm will never learn which leads are actually valuable.
“After the last hailstorm my home insurance CPCs went from $18 to $55 in 48 hours. $3K budget was gone in 3 days. Half the clicks were people filing claims, not shopping for new coverage.”Reddit r/Insurance
“New homeowners closing in 14 days are the best leads I've ever seen — they HAVE to buy. But I'm bidding head-on against State Farm on 'homeowners insurance quotes' at $30 CPC.”Reddit r/InsuranceAgent
“Every bundled client I write is worth 3x a single-policy client. I have no idea how to make my landing page lead with that instead of just another quote form.”Reddit r/PPC
These are representative outcome patterns we've seen from operators implementing these systems. Details are anonymized; numbers are realistic for the vertical.
Operator profile
Starting point
Cost per bound policy: $400+ (estimated — no tracking). Bundle capture rate: 20% (discovered during phone call).
What changed
Built storm-season bid-boost automation, installed 14-day closing-window retargeting, and added a home+auto bundle calculator as primary landing page CTA.
Outcome
Cost per bound policy → $200-300 with quote-to-bind attribution. Bundle capture rate → 45%+ with bundle-first landing pages.
Each product builds on the previous one. Start where you are, progress at your own pace.
Every system on this page is what we install for our own clients. If you'd rather have us run it with you — or for you — these are the paths.
New homeowners have 14 days. People dropped by their carrier need coverage now. Families moving to hurricane zones can't wait. Target the moments of urgency that direct carriers miss with their mass-market approach, and build the bundle that turns a $1,500 policy into a $10K lifetime relationship.
Or book a free 15-min audit if you're not sure which path fits.
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hello@tegra.co60-min strategy session — closed-deal attribution, regulated-keyword strategy, aggregator-beating funnels, and compliance review. For operators hitting a CPA ceiling or navigating a regulatory shift.
Full ad ops for regulated lead-gen — Google + Meta + dialer + CRM + compliance pages. For $10K+/mo operators in insurance, mortgage, solar, Medicare, debt relief, or nonprofit lead gen.
Operator profile
Starting point
Storm-season CPCs tripled to $58, budget burned in 4 days, and 70% of traffic was existing policyholders filing claims — not new shoppers.
What changed
Separated claims-intent negatives from new-business campaigns, pre-built a 'dropped by carrier' Search campaign for activation post-storm, and connected AMS policy binds for conversion feedback.
Outcome
Stretched storm budget across 18 days instead of 4, bound 42 new policies during the surge (vs 16 prior year), and held CPC at $34 via tighter intent filtering.
Operator profile
Starting point
Competing head-on against State Farm on generic 'home insurance quotes' at $28 CPC with no closing-date context, resulting in a $520 cost-per-bound-policy.
What changed
Targeted 14-day closing-window keywords with realtor-partnership landing pages, layered the AI Agentic System on bid strategy, and added bundle cross-sell into auto at quote submission.
Outcome
Cost-per-bound-policy down to $215, 58% of new homeowners bundled auto at bind, and average household LTV rose from $1,600 to $4,200.
Our head product. AI agents run your full Google Ads stack autonomously — campaign creation, bid strategy, feed optimization, budget shifts. For operators ready to scale past headcount limits.
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