Work From Home

16 Work From Home Insurance Jobs to Apply For

As people increasingly need coverage for their health, properties, homes, and vehicles, the insurance industry is constantly growing and is projected to keep on growing for the foreseeable future. And as the industry grows, it’s becoming more open to telecommuting. Nowadays, there are plenty of work from home insurance jobs you can apply to.

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The insurance industry is particularly flexible and allows for a lot of leeway in work from home positions as well as telecommuting opportunities.

If you do a little digging, you’ll see that you often don’t even need experience in insurance for many of the positions they have available because a lot of skills transfer well from other industries.

You’d also be surprised at just how many different jobs are involved in insurance, many of which don’t require that you be in the office all day.

Because insurance companies need such a huge range of talent, they often prefer to have their people work from home or telecommute – they save money and their employees are happier too.

Some companies require that you work in-house first before switching to a telecommuting position, while others just let you work from home right from the start. Generally, this also depends on the type of role you’ll be fulfilling, so take that into consideration when making your decision.

Below, I list down the types of work from home insurance jobs you’ll typically find and which companies typically hire for these types of positions.

Types of Work From Home Insurance Jobs

1. Insurance sales agents are representatives of one or more insurance companies who sell their products.

There are two types of agents—those who only work for one insurance company (captive) and those who work for multiple companies (non-captive).

Most states and countries require that insurance agents have a license to sell the specific types of insurance they do. So make sure to check whether you need to sign up for training and go through any required exams.

2. Insurance brokers assess their customers’ insurance needs and requirements and request quotes from insurance companies based on their evaluations.

An insurance broker doesn’t have the authority to legally draft or enforce a policy. There are also different types of insurance brokers, such as wholesale and surplus lines brokers.

3. Insurance claims adjusters gather information from policyholders, claimants, witnesses, attorneys, and other interested parties and recommend how much an insurance company should actually pay.

There’s a lot of open positions in this field because so many claims get filed on a daily basis. In a big company, a claims adjuster can receive as many as 50 to 100 claims a month.

They are also known as claims specialists, claims representatives, claims investigators, or claims analysts.

4. Premium auditors review policyholders’ financial records and statements to ensure that premiums being collected are just the right amount, considering risks and industry guidelines.

They also identify issues and make recommendations on changing policy contracts based on their findings.

A bachelor’s degree in accounting is often needed to apply for this position.

5. Insurance appraisers estimate the value of insured items and the cost to repair or replace them.

These specialists are the people you see inspecting buildings to appraise the value of items, gauge losses, and ensure that the claim is valid.

They will also usually be the ones who determine the settlement the insurance company has to pay and refer a claim to investigators if they suspect fraud or illegal activity.

6. Insurance underwriters evaluate insurance applicants, determine whether or not a prospective customer should be insured, and recommend an appropriate premium to take on that level of risk.

They use software programs, statistics, and analytics to calculate whether it’s financially feasible for the insurance company to approve an insurance application.

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If approved, they also decide the terms of the coverage, how much coverage a person gets, and how much their premiums will be.

7. Customer service representatives are the backbone of any insurance company.

These are the people who handle incoming claims or disputes and relay that information to the appropriate people and departments.

So, naturally, every insurance company employs plenty of customer service people to handle the multitude of calls the company receives every day.

You can earn even more if you’re bilingual, especially if you know Spanish aside from English.

This is a really solid option as a work at home job for moms with young kids too because it doesn’t require your full attention every minute of the day.

8. Insurance Risk Analysts are the ones who process any policy applications that get sent through.

They’re also in charge of adjusting policies if the client requests it, or if the company requires it after a certain period of time or a claim has been made, for example.

16 Companies Offering Work From Home Insurance Jobs

Many insurance companies list their vacancies on their websites as well as their LinkedIn pages so make sure to check them out and follow them on social media so you don’t miss any potential opportunities.

The number of companies that offer work from home jobs with benefits is steadily increasing every year, and you’ll find that a big chunk of them are actually insurance companies. Here are several big insurance companies that regularly post work from home jobs:

1. Farmers

If you’re looking for work from home insurance underwriter, sales, claims, or customer service jobs, Farmers offers plenty. Check out their careers site and search for openings using “work from home” and “remote” keywords.

2. Progressive

According to their website, Progressive offers work from home opportunities for sales agents, claims adjusters, customer service representatives, data analysts, and corporate positions, like recruiters and HR consultants.

3. Cigna

Select “see all locations in the United States” when searching for jobs on Cigna’s website. They generally hire developers, customer service representatives, claims representatives, and analysts for remote positions.

4. Humana

This Fortune 500 company regularly hires a diverse range of remote workers from every state in the US. Select your state on their career site and have a look through the different jobs available there.


This company periodically hires people for remote work in various positions, including claims specialists, customer service agents, and sales agents. You may be required to undergo training at their local offices first before you can start a remote job.

6. MetLife

MetLife is a global company that has a number of work from home insurance jobs available. Currently, there are open positions in the underwriting and claims departments.

7. Liberty Mutual

Liberty Mutual is one of the most highly rated property and casualty insurance providers. Remote jobs currently offered include sales, claims, and underwriter positions.

8. State Farm

State Farm is the largest insurance company in the US, mainly offering car and home insurance policies.

Current work from home insurance job openings in this company include claims specialists, underwriters, risk and compliance analysts, and customer service representatives.

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You can also be an independent contractor State Farm agent and run your own business with State Farm’s support and training.


USAA serves US military members, their spouses, and their children, offering home, renters, auto, health, and umbrella insurance, as well as investment products and mortgage loans and services.

Their careers website lists job opportunities for appraisers, claims specialists, underwriters, and customer service representatives.

10. The Hartford

This company offers both personal and commercial insurance products, including home and auto insurance.

Remote positions include premium auditors, inbound sales agents, underwriters, appraisers, claims specialists, and relationship managers.

11. Nationwide

Nationwide offers auto, home, health, and pet insurance, as well as various other financial products.

Available work from home job openings include underwriters, claims specialists, premium auditors, and sales managers.

12. UnitedHealth Group

UnitedHealth Group is a multinational insurance and healthcare company offering various insurance services and healthcare products worldwide.

Their work from home job openings include insurance underwriter, sales representative, claims representative, and broker agent.

13. Allstate

Allstate is yet another familiar name in the insurance industry.

Remote job openings right now include sales representative, adjuster, and commercial underwriter.

14. Crawford & Company

Crawford & Company provides claims management, risk management, and outsourcing services and solutions to insurance carriers and brokers.

Recent opportunities on their site include property adjuster, claims specialist, and customer service representative.

15. Lincoln Financial

Lincoln Financial deals in life insurance, as well as retirement plans, group benefits, and annuities.

They offer several work from home jobs on their Careers page under the Claims, Audit, Customer Service, Underwriting, Sales Management, and Risk Management departments.

16. CNA Insurance

CNA Insurance is a Chicago-based insurance company specializing in commercial property and casualty insurance.

They’re currently hiring insurance underwriters, sales specialists, premium auditors, and risk consultants who can work from home.

Other Places to Find Work From Home Insurance Jobs

Insurance companies post their job openings on other websites as well. Here are a few more places where you can find listings for work from home insurance jobs.

General Job Boards

I highly recommend starting your search with FlexJobs, home to plenty of remote jobs, both full time and part time.

What sets FlexJobs apart from other similar job boards is that they carefully vet the companies that post their listings on the site. This means that if you’re interested in a particular job, you can rest assured that it’s not a scam.

Other job boards worth looking into include Indeed, ZipRecruiter, and SimplyHired.

Insurance Job Boards

Aside from general job boards, there are plenty of specific job boards offering plenty of work from home insurance jobs from the best companies. Here are a few sites to get you off to a good start.

Pro Tip: To find work from home insurance jobs easier, search for terms like “telecommuting,” “remote,” “telework,” and “work from home” in addition to the job position that you’re interested in.

How Much Can You Earn Working From Home?

I usually try to give my readers a reasonable estimate of what they can expect to earn for the work from home gigs I talk about. But it’s a tough question in this case because there are so many types of roles in the insurance industry and their compensation differs considerably.

That said, here’s a quick list of the average annual salary as of September 2022 for each of the roles I listed above, according to

Note that these are rough estimates and could differ. Adjust your expectations depending on your experience, the company, and whether you’re hired full-time or not.

Insurance sales agent: $48,633/yr (plus sales commissions)

Insurance broker: $87,695/yr

Insurance claims adjuster: $52,104/yr

Premium auditor: $78,561/yr`

Insurance appraiser: $65,649/yr

Insurance underwriter: $73,976/yr

Customer service representative: $35,886/yr

Insurance risk analyst: $66,280/yr

Apply For Work From Home Insurance Jobs Today!

Insurance isn’t the most exciting or glamorous industry to work in, but this field is growing and there are plenty of work from home insurance jobs to apply for.

Plus, the insurance industry can be broken into by people with various skills and experience.

If you’re interested in other financial related work from home jobs, check out our lists of work from home accounting jobs, work from home financial advisor jobs, and virtual bookkeeper jobs.

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