Find the homes where Vision wins
Property DNA scores every home in the target area against Vision’s rate and guidelines. Only homes that fit the Day 1 appetite and where Vision is clearly the most competitive get a mailer — timed to land 90 days before the closing anniversary.
| Home | Est. current | Vision | Savings | Mail date | Decision |
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Selection rules
- Fits HO-3, HO-6 or DP-3 guidelines on day one.
- Vision’s rate is at least 10% below the estimated market premium.
- Mailer drops 90 days before the closing anniversary.
- A Visionary Agent covers the county.
Mail a priced quote
The homeowner gets a real Vision Express Quote for their home — not an ad. Scanning the code opens their quote with coverage already filled in from Property DNA. The final price is confirmed with an insurance-score check before binding.
What’s on the quote
Consumers see “Vision Express Quote.” Agents know the program as Visionary Direct Marketing.
Confirm the final price with a credit check
Before anything is final, the homeowner consents to a credit-based insurance score. It’s a soft inquiry, so it doesn’t affect their credit. The result sets the final rate.
How the check works
- Homeowner gives consent in the app. Name and address are prefilled; they add date of birth.
- Soft pull returns an insurance-score tier in seconds.
- The mailed price assumes a “Good” tier. Better scores lower the price; weaker scores raise it.
- If the score raises the price, an adverse action notice goes out automatically.
- No score on file gets a neutral factor, so the mailed price holds.
Tier factors are placeholders. Confirm credit usage and disclosures against Florida requirements with compliance.
Let the homeowner raise their coverage
The homeowner starts from the exact coverage on their mailed quote. From there they can raise limits, lower deductibles and add endorsements, and the price updates as they go. Every increase is tracked against the mailed quote.
Mailed quote vs. homeowner’s choice
How the price was built
Coverage factors and endorsement charges are illustrative, not Vision’s filed rates.
Review and bind
The homeowner reviews the final policy, picks a payment plan, signs electronically and binds. A Visionary Agent is named agent of record.
What happens at bind
- E-signed application and payment captured.
- Policy issued; declarations and ID card emailed.
- Policy assigned to a Visionary Agent as agent of record.
- New-business inspection scheduled with Express Inspections.
- Agent gets an alert to welcome the client and round out the account.
Route it to a Visionary Agent
Each bind or call request goes to a Visionary Agent who serves the home’s county. When more than one qualifies, the agency with the fewest program assignments this month gets it, keeping distribution fair.
The agent earns on a client they didn’t have to find
Visionary Agents earn 50% of the new-business commission and 75% of the renewal commission, on the final bound premium including any coverage the homeowner added.
Five-year value of this one policy
Assumes flat premium and the policy renews each year. Commission base uses Vision’s direct schedule (12% new / 10% renewal) — adjust on the next step.
Scale it up
Move the sliders to model a mail campaign. Every number recalculates.
Mail cost covers print and postage only. Response, bind and coverage-upgrade figures are placeholders until Vision has live campaign data.