Agent Playbook — LeadLobster.ai

1. When to Reach Out

Timing is the single biggest factor in new homeowner outreach. Here's what the data shows:

Days 1–7

🔥 Peak Window

Highest response rate. Homeowner is actively setting up the new home. Insurance is top of mind.

Days 8–21

⚡ Still Fresh

Good response rate. Some competition starting. Be specific and personalized in your approach.

Day 22+

📉 Cooling Off

Response rates drop. They've likely been contacted by competitors. Still worth trying — use a different angle.

⏰ Best times to call

✅ Tuesday–Thursday, 10am–12pm — highest answer rates
✅ Tuesday–Thursday, 4pm–6pm — second best window
⚠️ Monday mornings — people are busy, lower answer rate
❌ Friday afternoons — mentally checked out for the weekend
❌ Before 9am or after 8pm — TCPA violations possible

2. Phone Scripts

Keep it short, warm, and personal. You have 10 seconds to not get hung up on.

🏠 Standard New Homeowner Opener

Most Effective

"Hi, is this [NAME]? ... Hi [NAME], this is [YOUR NAME] with [AGENCY]. I noticed you recently closed on your new home on [STREET] — congratulations! I specialize in helping new homeowners in [CITY] make sure they have the right coverage from day one. Do you have 2 minutes to make sure you're protected?"

💡 Tip: Mentioning the street address immediately builds credibility — they know you've done your homework.

💰 Luxury Home Opener ($1M+)

"Hi [NAME], this is [YOUR NAME] — I work exclusively with high-value homeowners in [AREA]. I saw your recent closing on [STREET] and wanted to reach out personally. A home at that price point has very specific coverage needs that standard policies miss. I'd love to do a quick 10-minute review — no obligation. When works for you?"

💡 Tip: "Exclusively" and "high-value" signal you're a specialist, not a generic agent.

🌊 Florida Flood Insurance Angle

"Hi [NAME], congratulations on your new home on [STREET]! I'm [YOUR NAME] with [AGENCY]. Quick question — did your lender mention anything about flood insurance requirements for your property? ... A lot of new homeowners in [CITY] don't realize what's required until it's too late. I can run a free flood zone check for your address and make sure you're covered. Takes 5 minutes — interested?"

💡 Tip: Flood insurance is a legal requirement in many FL zones — this creates genuine urgency.

3. Voicemail Scripts

Leave voicemails that get callbacks. Keep it under 20 seconds.

📱 Standard Voicemail

"Hi [NAME], this is [YOUR NAME] at [NUMBER]. I'm calling about your new home on [STREET] — congrats by the way. I have some important coverage information specific to your property. Please call me back at [NUMBER]. Again that's [NUMBER]. Thanks!"

💡 Tip: "Important coverage information specific to your property" creates curiosity without being pushy.

⚡ Urgency Voicemail (HOT leads)

"Hi [NAME], [YOUR NAME] here at [NUMBER]. You closed on [STREET] just [X] days ago — I want to make sure you're fully protected before hurricane season. Florida has some specific requirements new homeowners often miss. Call me back at [NUMBER] — won't take long. [NUMBER]. Thanks!"

4. Email Templates

Short, personal, and specific. No one reads long emails from strangers.

📧 Initial Outreach Email

Subject: Your new home on [STREET]

Hi [NAME],

Congratulations on your new home on [STREET] — great area!

I'm [YOUR NAME], an insurance agent specializing in new homeowners in [CITY]. I wanted to reach out personally to make sure your coverage is set up correctly from day one.

A lot of new homeowners in Florida end up underinsured — especially when it comes to flood and wind coverage. I'd love to do a quick free review.

Would you be open to a 10-minute call this week?

[YOUR NAME]
[PHONE] | [AGENCY]

📧 Follow-up Email (no response)

Subject: Re: Your new home on [STREET]

Hi [NAME],

Just following up on my note from last week. I know moving is hectic!

Quick question — do you already have homeowners insurance in place for [STREET]? If not, I can get you a quote in minutes.

If you're all set, no worries at all. Just want to make sure you're covered.

[YOUR NAME]
[PHONE]

5. Social Media / DM Openers

Always personalize. Never copy-paste generic messages. Use the social search links on each lead to find them first.

⚠️ Important: Only reach out on social if their profile is clearly public and professional. Never message on personal photos or private accounts. Always be respectful and professional.

💼 LinkedIn DM

"Hi [NAME] — congrats on the new home! I'm an insurance agent in [CITY] and I specialize in helping homeowners like yourself get the right coverage. Would love to connect and answer any questions you might have about protecting your new investment."

📘 Facebook Message

"Hi [NAME]! Congratulations on your new home on [STREET] — beautiful area! I'm a local insurance agent and wanted to reach out to make sure you have everything you need coverage-wise. Happy to answer any questions, no pressure at all."

6. Handling Objections

Every objection is just a question in disguise. Here's how to handle the most common ones.

"I already have insurance."

"That's great! When did you last have it reviewed? A lot of people find their old policy doesn't fully cover their new home's value — especially with Florida's market. Takes 10 minutes to verify. Would you be open to a quick comparison?"

"I'm not interested."

"Totally understand — I'll let you go. Just one quick question: do you have flood coverage in place? It's a common gap for new Florida homeowners and your lender may actually require it. If you're covered, great. If not, it's worth a 5-minute call."

"How did you get my information?"

"Great question — new homeowner data is publicly available and widely used by real estate agents, lenders, and other professionals. I use it to reach out to new homeowners to make sure they have proper coverage."

"Call me later / I'm busy."

"Of course! When would be a better time — tomorrow morning or later in the week? I'll put it in my calendar right now."

7. Follow-up Sequence

Most deals close on the 5th–8th contact. Don't give up after one try.

1

Day 1 — First call

Use the standard opener. Leave voicemail if no answer.

2

Day 3 — Email

Send the initial outreach email. Short, personal, specific address.

3

Day 6 — Second call

Try a different time of day. Reference your previous voicemail.

4

Day 10 — LinkedIn/Social

Use the social search links to find them. Send a brief, professional DM.

5

Day 14 — Follow-up email

Short "just checking in" email. Ask a direct yes/no question.

6

Day 21 — Final attempt

Last call. If no response, mark as "not interested" and move on. No hard feelings.

8. Compliance Reminders

⚠️ Never call before 8am or after 8pm local time (TCPA requirement)
⚠️ Always honor Do Not Call requests immediately — add to your internal DNC list
⚠️ Do not use auto-dialers or prerecorded messages without prior written consent
⚠️ Always identify yourself and your agency within the first 30 seconds
⚠️ If someone says "remove me from your list" — stop all contact immediately
⚠️ Florida agents: comply with Florida OIR rules and the Unfair Trade Practices Act
✅ Lead data is sourced from verified, licensed data providers — fully legal to use for outreach
✅ When asked how you got their info — keep it simple: "Your home purchase is on file and we help agents connect with new homeowners"

This is not legal advice. Consult your own attorney for compliance guidance specific to your situation.

The LeadLobster Playbook

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