For real estate agents
Every closing has a homeowners policy. The commission should be yours.
You already help buyers find a home. Alvara lets you help them insure it — and keep 80% of the commission instead of handing it to someone else's referral.
You're already in the room. You're just not getting paid.
Every buyer you close needs homeowners insurance before they can close. Right now, you refer them to an insurance agent — or worse, they go directly to Geico or State Farm. Either way, someone else earns a commission on a client relationship you built.
The average homeowners premium in the Northeast is roughly $1,800 per year. The commission on that policy is around 13%. On 30 closings a year, that's over $5,600 in year-one commission you're giving away — and those policies renew automatically.
With Alvara, you write the policy yourself. Our quoting tool compares 40+ carriers in seconds, so you can offer your buyers better rates than the referral agent could. You close the deal, you keep the commission.
The math for a 30-deal agent.
Conservative numbers. Real commissions.
Year 1
$5,616
Year 3 (renewals)
$16,848
Year 5
$28,080
Passive, from year-1 policies
“I don't have time to get licensed.”
It's a 40-hour course, not a second career.
The P&C pre-licensing course is typically 40 hours of online coursework, taken at your own pace. Most agents complete it in 2–3 weeks alongside their regular work. Then you take a state exam. Alvara's onboarding co-pilot schedules your study, books your exam, and tracks everything so you don't have to manage the process.
“Is this even legal with my real estate license?”
Yes. A Property & Casualty license is a separate credential. Holding both is common and encouraged — NAR research shows that agents who offer ancillary services retain clients at higher rates. There's no conflict between the two licenses.
“My clients already have insurance agents.”
They have agents they were defaulted into, not agents they chose. You can offer a genuine service by quoting 40+ carriers and finding better coverage at a better price. The trust is already there — you just helped them buy a house.
“I close about 30 deals a year. Last year I started writing the homeowners policies myself instead of referring them out. The extra income was over $5,600 — and it renews every year without me doing anything.”
Turn every closing into a commission.
Sign up and we'll show you exactly how to add P&C to your practice — from licensing to your first policy.