Home Insurance buyer’s guide · Written by the PX data team · Last reviewed September 23, 2026
What are aged home insurance leads?
Aged home insurance leads are homeowners who filled out an online home insurance quote request 30 or more days ago. The request was first sold in real time through the PX marketplace. Once that window passes, the record moves into aged inventory at a lower price, with the same contact details, property answers, and consent trail.
Homeowners policies renew every year, and premiums often change at renewal. A homeowner who compared quotes and stayed put is a strong candidate for a new quote the next time their premium goes up.
What is in an aged home insurance record
Records follow the PX home insurance quote form. Most include:
Property. Property type, ownership, and whether the home is inside or outside city limits.
Construction and roof. Number of stories, garage, foundation, roof type, and construction type (wood frame, brick, stucco).
Safety features. Security system and fire alarm (monitored or not), deadbolts, fire extinguisher, and indoor sprinklers.
Coverage. Coverage type (full package, fire and liability, or liability only) and personal liability limits.
Current policy and history. Current carrier, policy expiration date, claims history indicator, and self-reported credit rating.
Fields depend on what the original form captured. Your count confirmation includes fill rates before you buy.
Why aged home insurance leads come back
Home insurance shoppers pause for predictable reasons: the quote wasn’t lower, the renewal was still months away, or the purchase of a new home hadn’t closed yet. When the renewal notice arrives or the premium rises, the same homeowner is ready to compare again.
Property details such as roof type and construction help you quote accurately on the first call, which matters when you’re competing with the current carrier’s renewal offer.
Bundles and cross-sell
Home and auto. Most homeowners also insure a car. Pair this file with our aged auto insurance leads for bundle campaigns.
New homeowners. Recent buyers need a policy at closing. Our aged mortgage leads include purchase shoppers who may need home insurance soon.
Umbrella and liability. Homeowners who asked for higher liability limits are natural umbrella policy prospects.
How agents work aged home insurance leads
Filter before you buy. Order only the states and ZIP codes where you write, and match property type and coverage to your carriers’ appetite. Standard filters are free.
Load clean data. Scrub the file against the National DNC Registry under your own SAN, and upload your existing customers and open quotes for suppression so you only pay for new prospects.
Open with their original request. Refer to the quote they asked for instead of a cold pitch. Homeowners respond better to “you were looking at this a few months ago” than to a generic offer.
Work a multi-touch cadence. Combine calls, email, direct mail, and texts where you have consent over roughly two weeks. Our 14-day aged lead sales playbook lays out the sequence day by day.
Follow the renewal calendar. Where the expiration date is captured, schedule your follow-up for the month before renewal.
Consent, verification, and compliance
Every aged home insurance record comes from a consumer-initiated quote request, most of them captured on the PX marketplace. Each file includes:
The TCPA consent text the consumer agreed to and the submission timestamp
A Jornaya LeadiD or TrustedForm certificate where captured, so you can verify the original lead event independently
Buying aged data doesn’t transfer your own obligations. You still need your own DNC subscription (SAN), state list scrubs, and a contact strategy that fits current TCPA rules for each channel you use. Our DNC compliance guide for aged leads covers the details.
