Home and dental insurance leads in 2026
Target CPL €6-15 · contactability 68-74% · close 12-22%. The 2 verticals with highest volume and lowest entry barrier in the Spanish market.
Home and dental insurance are the 2 lowest-CPL verticals in the Spanish market (€6-15) and the highest available monthly volume. The key lever in home is timing (relocation, annual renewal); in dental, the hook offer (free cleaning + check-up). Both verticals support volumes ≥ 5,000 leads/month in mature accounts.
What are home and dental leads?
A home insurance lead is a contact of someone with intent to buy (or switch) the insurance for their primary or second residence. Includes address, floor area, property type and building/contents coverage.
A dental insurance lead is a contact with intent to buy dental insurance — basic (cleaning, check-ups, root canals) or complete (orthodontics, implants). Usually includes number of people to insure and ages.
Both verticals have low target CPL (€6-15) but high volume (10,000+ leads/month in mature accounts).
5-step capture method
- Leverage timing (renewal, relocation)In home, 60% of volume concentrates in the 30 days before annual renewal. Configure retargeting on visitors of "switch home insurance" pages and geo-targeted campaigns in high-turnover real estate zones.
- Hook offer: free first month / check-upIn dental, "first month free" or "cleaning + check-up included" lifts opt-in 30-45%. In home, "first month €0" or "20% renewal discount" has a similar effect.
- Ultra-short form (3-4 fields)In home and dental, minimal form: name, phone, postcode + 1 specific data point (square meters in home, number of people in dental). Everything else is asked on the call.
- Contact under 5 min with clear offerImmediate call with preliminary quote (Google Ads allows passing CPC as querystring and calculating quote in real time). Contact within 5 min triples close rate vs 60 min.
- Optimise by annual premium + retentionSend offline signal with annual premium + Y2 renewal probability. In home, Y2 renewal is 78%; in dental only 62%. Algorithms optimise toward LTV, not raw lead.
Frequently asked questions
How much does a home insurance lead cost?
Exclusive CPL between €6 and €14 in 2026, with Google Ads Search at €8-14 and Meta Ads at €6-11. Multi-quote leads (2-3 companies) cost less but convert worse.
How much does a dental insurance lead cost?
Exclusive CPL between €8 and €15, with full dental (implants, orthodontics) at €12-15 and basic (cleaning, check-ups) at €8-11. Families with children convert 2.5× better than individuals.
When is the best time to capture home leads?
The 30 days before the current policy annual renewal. In Spain 60% of policies renew between January and March. Second peak: relocations in September-October.
Which channel works best?
In home, Google Ads Search 65-75% of budget for clear intent. In dental, Meta Ads 50-60% for volume and low cost, with Google Search 35-45% for high intent (dental emergency, implants).
What is the contactability rate?
Home: 65-75% (lower because many users compare without urgency). Dental: 70-80%. In both, contacting under 5 min lifts contactability 20-30 points.
Strategy for capturing exclusive home and dental insurance leads for Spanish brokers
Home and dental are the entry verticals of the Spanish insurance market: lowest CPL, highest volume and lowest sensitivity to auction saturation. However, the business hinges on Y2 retention and cross-sell to other products (life, health, funeral). At eXprimeNet we execute this playbook in accounts with over €2.1M invested in home + dental.