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How much do homeowners insurance jobs pay per hour?

As of Jul 22, 2026, the average hourly pay for homeowners insurance in the United States is $22.09, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $23.80 per hour, depending on experience, location, and employer.

What positions in insurance make the most money?

In homeowners insurance, senior roles such as insurance underwriters, claims managers, and actuarial directors tend to earn the highest salaries. These positions require specialized skills, experience, and often advanced certifications, and they typically involve overseeing large teams or complex risk assessments.

How do homeowner insurance agents get paid?

Homeowners insurance agents typically earn commissions based on the policies they sell, which are a percentage of the premium amount. Some agents may also receive bonuses or incentives for meeting sales targets, and others might work on a salary plus commission structure. Their compensation depends on the agency or company they work for and their sales performance.

What jobs pay 4000 a week without a degree?

High-paying jobs that can earn $4,000 a week without a degree include roles such as commercial truck drivers, real estate brokers, sales managers, and certain skilled trades like electricians or plumbers. These positions often require specialized training, certifications, or experience but do not necessarily require a college degree.

What is homeowners insurance?

Homeowners insurance is a type of property insurance that provides financial protection against damage to your home and personal belongings due to events like fire, theft, or certain natural disasters. It also offers liability coverage in case someone is injured on your property. Most mortgage lenders require homeowners insurance to protect their investment. Policies can vary in coverage, so it's important to read your policy carefully and understand what is and isn't covered.

What are the key skills and qualifications needed to thrive as a Homeowners Insurance Agent, and why are they important?

To thrive as a Homeowners Insurance Agent, you need strong knowledge of insurance products, risk assessment, and state licensing requirements. Familiarity with insurance quoting software, CRM systems, and underwriting guidelines is typically necessary. Excellent communication, customer service, and problem-solving skills help agents build client trust and address complex needs. These abilities are vital for ensuring clients receive appropriate coverage and for driving business success in a competitive industry.

What are some common challenges faced by homeowners insurance agents in their daily work?

Homeowners insurance agents often face the challenge of staying updated with evolving policy regulations and explaining complex coverage options to clients in an understandable way. They must balance administrative tasks, such as processing claims and policy renewals, with building strong client relationships to ensure customer satisfaction and retention. Additionally, agents frequently collaborate with underwriters, adjusters, and other team members to resolve claims efficiently and provide tailored recommendations based on individual client needs.

Why do most insurance agents quit?

Most insurance agents quit due to high competition, challenging sales targets, and inconsistent income, especially during the initial stages of building a client base. The job often requires strong communication skills, self-motivation, and resilience, as it involves frequent prospecting and handling rejection.

What is the difference between Homeowners Insurance vs Property Insurance?

AspectHomeowners InsuranceProperty Insurance
CoverageProtects homeowners against damages to their residence and personal property, liability, and additional living expensesProvides coverage for damage or loss to physical property, including buildings and possessions, regardless of owner
Work EnvironmentInsurance agents, adjusters, and underwriters working with homeowners and property ownersInsurance professionals handling various types of property claims across industries
CredentialsLicensing required for agents and adjusters; certifications vary by stateSimilar licensing and certifications for property insurance specialists

Homeowners Insurance specifically covers residential properties and personal belongings, while Property Insurance has a broader scope, including commercial and other physical assets. Both roles require similar credentials and are integral to the insurance industry, but they serve different client needs and property types.

More about Homeowners Insurance jobs
What cities are hiring for Homeowners Insurance jobs? Cities with the most Homeowners Insurance job openings:
What states have the most Homeowners Insurance jobs? States with the most job openings for Homeowners Insurance jobs include:
What job categories do people searching Homeowners Insurance jobs look for? The top searched job categories for Homeowners Insurance jobs are:
Homeowners Insurance jobs near you
Infographic showing various Homeowners Insurance job openings in the United States as of July 2026, with employment types broken down into 12% Locum Tenens, 80% Full Time, 5% Part Time, and 3% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $45,946 per year, or $22.1 per hour.
Homeowners Sales Representative (Sales, Customer Service)

Homeowners Sales Representative (Sales, Customer Service)

Freeway Insurance

San Jose, CA

$60K - $150K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 27 days ago

Job description

Pay Range:

$60000 - $150000 / year**

Sign-On Bonus Opportunity of up to $4,000*

Our Perks & Benefits:

  • Unlimited/uncapped commission – your earning potential is in your hands
  • Lucrative incentive sales plans, bonuses and sales contests to recognize your success
  • No cold calling – we provide a high volume of inbound leads and walk in traffic
  • Comprehensive paid training and licensing, plus on-going mentorship and development
  • Recognition-focused culture that celebrates your achievements
  • Comprehensive benefits package including medical, dental, vision and life insurance
  • Paid time off to recharge and maintain a healthy work-life balance
  • Retirement Plan (401k) with company-matched contributions
  • Fitness Reimbursement – up to $15/month for gym memberships
  • Employee Assistance Program – confidential support for personal or professional challenges at no cost
  • Extra Perks – optional plans for disability, hospital indemnity, health advocate program, universal life, critical illness, accident insurance, and even pet insurance

Our Company:

Confie and its family of companies - Freeway, Baja, Bluefire & others - is one of the largest privately held insurance brokers in the United States. We have been ranked the #1 Personal Lines Leader by the Insurance Journal for eight consecutive years! With more than 800 retail locations nationwide, we are committed to helping our employees take their careers and income potential to new heights. We are proactively looking for bright, motivated, and goal-oriented individuals who are excited about career advancement. Come Grow With Us!

What You Will Do:

As a Homeowners Insurance Specialist, your primary responsibility will be helping individuals and families protect their most valuable asset – their home. You will focus exclusively on selling and servicing homeowners insurance policies, guiding customers through coverage options, and building long-term relationships based on trust and expertise. This role provides the opportunity to grow your earnings, establish yourself as a subject matter expert, and be rewarded for your success

  • Manage Policies: Oversee new homeowners insurance policies, renewals, endorsements, and supplemental (DIC or wrap-around) coverage to ensure complete client protection.
  • Negotiate & Ensure Compliance: Secure competitive quotes, negotiate with multiple carriers – including expertise with any state available programs (i.e., California Fair Plan) – and maintain full compliance and documentation standards.
  • Develop Referral Networks: Build and sustain a strong network of referral partners (contractors, real estate professionals, public adjusters, etc) to drive consistent new business growth.
  • Build & Retain Clients: Grow a loyal book of business through exceptional service, proactive communication, and clear education on coverage options.
  • Consult with Expertise: Guide clients through policy details – terms, coverages, exclusions, and premiums – ensuring they understand their choices and feel confident in their protection.
  • Achieve Results: Meet and exceed sales and retention goals while tracking key performance metrics and providing regular reporting.

The Perfect Match:

  • A Personal Lines or Property and Casualty license
  • Bilingual skills in English and Spanish (a strong plus)
  • 2+ years of experience in homeowners / property insurance (sales, servicing, underwriting or policy quoting)
  • A High School Diploma or GED
  • Strong ability to build customer relationships and earn trust
  • Excellent follow-up, organization, and multi-tasking skills
  • An ambitious, motivated attitude with a desire for growth and advancement
  • Strong written and verbal communication skills

**The pay range disclosed reflects a good faith estimate of total compensation for full-time employees, at time of hire. This compensation package includes base pay, commission, bonuses, and all applicable incentives earned by employees. The pay range may be higher, or lower, based on geographical location. Actual earnings will vary based on individual performance, with the base pay and commission structure aligned to company policies and applicable pay transparency requirements.

As permitted by applicable law and from time-to-time, Confie may use a computer system that has elements of artificial intelligence to help make decisions about your employment, including recruitment, hiring, renewal of employment, or the terms and conditions of your employment. Employees with questions about Confie’s use of these computer systems should contact Human Resources at employeerelations@confie.com  

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