How much do home insurance agents make per policy?

Home insurance commissions typically run about 5% to 15% of the first-year premium, with renewal commissions of roughly 2% to 5% in later years. Captive agents usually earn toward the lower end of that range, while independent agents earn toward the higher end but cover their own business expenses such as rent and advertising. Some insurers also pay production bonuses or profit-sharing on top of base commissions.