Insurance offers are part of Fixle Protection Products — a set of optional services available to your clients through the Spectora client portal.
When clients complete their inspection and access their report, they may see an option to request a property owners insurance quote. If they choose to opt in, Fixle connects them with a vetted insurance partner suited to their property and location.
If you're new to Fixle, want to understand what Fixle is, or are looking for a broader overview of Fixle Protection Products, see Fixle for Inspectors: Overview.
What is Fixle?
Fixle is a client-facing platform that Spectora developed to support what happens after the inspection. It's designed to take pressure off clients and agents in the post-inspection window, reinforcing the trust you've already built. The inspection stays at the center; Fixle provides support to create easier closings and happier agents.
How Insurance Fits Into the Client Experience
Fixle Protection Products exist to bring structure to a moment that is often chaotic for clients: the stretch between inspection and closing.
Insurance is one of three categories in that offering:
Insurance — helps clients secure coverage before closing.
Warranty — covers repair and replacement of major systems and appliances. See Warranty Offers by Fixle: Overview for Inspectors.
Security — monitored protection and smart home options for their new home. See Security Offers by Fixle: Overview for Inspectors.
These are presented together in the Client Portal as optional resources. Clients choose whether to engage with any of them. Your inspection report and your workflow are not affected.
How Does the Insurance Offer Appear to Clients?
Insurance options appear in the Spectora Client Portal in several places. Here is how the experience works:
Pop-Up: A pop-up appears after the client completes agreements and payment. It displays the insurance offer only and appears one time.
Special Offers Task: A "Special Offers" task displays in the client portal dashboard. If a client clicks through, they see all three Protection Product categories — including homeowners insurance. This task is always visible, but will be displayed below any urgent inspection tasks, such as agreements, payment, and viewing the inspection report.
"Moving is Hard" Card: A card at the bottom of the client portal dashboard reads: "Moving is hard. We partnered with trusted brands to make it easier." Clicking it opens the same Protection Products view, including the insurance offer.
Special Offers Tab: A dedicated tab in the client portal allows buyers to revisit Protection Products at any time, even if they initially declined.
For more details on how clients experience the opt-in flow across all Protection Products, see Understanding Client Opt-In for Fixle Protection Products.
What Does the Client Opt-In Experience Look Like?
Before any insurance partner can contact a client, the client must explicitly request to be contacted.
Here is what that means in practice:
The insurance offer is displayed in the client portal
The client chooses whether to engage
If they request a quote, they enter their contact information and check a consent box
Only then is their information shared with a vetted insurance partner
After submitting, the client sees a confirmation message: "A trusted partner will reach out soon about your insurance quote," along with the date they consented.
If they do not engage, nothing happens
There is no automatic outreach. There is no passive sign-up. The client is always in control of whether they hear from anyone.
Who the Insurance Partners Are
Fixle works with a curated network of vetted insurance providers — not a lead marketplace where client information is distributed to multiple providers. When a client opts in, their information is shared with one vetted partner matched primarily based on their state and partner availability.
Depending on location and property type, clients may be connected with carriers such as Progressive, Allstate, Nationwide, and others from Fixle's vetted network. For a full list of potential advertisers, see Spectora's Partners We Work With page.
Every partner in Fixle's network has agreed to the Spectora Partner Promise, which includes:
Explicit consent required before any contact
No bait-and-switch on the purpose of the contact
Clear identification of who is calling and why
Full compliance with CAN-SPAM, TCPA, and applicable laws
Clear opt-out mechanisms at any time
Spectora conducts routine reviews of partner behavior. Partners who do not meet these standards are subject to removal.
Which Inspection Types and States are Eligible?
Insurance is currently available for all inspection types — including residential, 4-point, Wind Mitigation, and others — in all U.S. states.
If you have questions about eligibility for a specific inspection, contact our support team.
What This Means for You as an Inspector
Your workflow does not change.
Insurance, like all Fixle Protection Products, is automatically enabled in your Spectora account for US customers starting April 7, 2026. You do not need to set anything up, promote anything to clients, or explain the feature during your inspection.
You are responsible for:
Completing your inspection as you normally would
Delivering your inspection report through Spectora
You are not responsible for:
Explaining Fixle Protection Products to your clients
Following up on whether a client engaged with insurance
Resolving any issues between a client and an insurance provider
If a client has a complaint about an insurance provider or their post-opt-in experience, direct them to support@fixle.com rather than attempting to intervene on their behalf.
How Insurance Connects to Spectora Rewards
Beginning April 7th 2026, eligible client engagement with Fixle Protection Products are tracked and contribute to your Spectora Rewards points. No action is required on your part. Points accumulate automatically beginning April 7, 2026, and will be redeemable when the full Spectora Rewards portal launches later this year. Participation in Spectora Rewards is optional.¹
Client Protections
What does the Spectora Partner Promise cover?
Every insurance partner in Fixle's network has agreed to Spectora's Partner Promise.
Under the Partner Promise, insurance partners must:
Only contact a client who has explicitly requested to be contacted
Be transparent about who they are and why they are reaching out
Honor the specific purpose for which consent was given — no bait-and-switch
Provide clear opt-out mechanisms in every communication
Comply with CAN-SPAM, TCPA, and all applicable laws
What happens if an insurance partner violates these standards?
Spectora conducts routine reviews of all partners. If a partner is found to be violating the Partner Promise — or if Spectora receives multiple complaints — Spectora works with them to correct the behavior or removes them from the network.
How can a client opt out after opting in?
Once a client is opted in, they must opt-out with the partner directly; Spectora cannot opt out on a client's behalf. Opt-out is immediate if a client requests it directly with an insurance partner. Common opt-out mechanisms are: Replying "STOP" or "END" via text, clicking "Unsubscribe" at the bottom of an email, or verbally requesting not to be contacted via phone.
If a client reports that contact continued after opting out, that may be a Partner Promise violation. Contact support@fixle.com with the inspection address and details so the issue can be escalated and reviewed.
Frequently Asked Questions
Does my client have to opt in to insurance to see their inspection report?
No. The inspection report is always accessible in the Client Portal. Fixle Protection Products — including insurance — are optional and do not prevent access to the inspection report or any other documents.
What if my client complains about receiving too many calls after opting in?
First, confirm whether the client opted in through the Client Portal — you can view this on the Inspection Details page. After opting in, one of our vetted insurance partners will attempt to reach the client within three business days, making up to three phone calls and sending up to three text messages during that window.
If a client feels they are being contacted beyond those limits, or if contact continues after they have opted out, the client needs to opt out directly with the partner. Common opt-out mechanisms are:
Replying "STOP" or "END" via text
Clicking "Unsubscribe" at the bottom of an email
Verbally requesting not to be contacted via phone
If contact continues after opting out, this may be a Partner Promise concern. Encourage the client to contact support@fixle.com with the inspection address and details so the issue can be escalated and reviewed.
Can I disable insurance without turning off all Fixle features?
Fixle Protection Products — insurance, warranty, and security — are managed as a group and are enabled by default for all U.S. Spectora customers. Inspectors do not have the ability to toggle individual Protection Products off. If you have a specific concern about Protection Products for your account, contact the Spectora support team.
Are insurance offers available outside the U.S.?
Fixle Protection Products, including insurance, are currently available to U.S. customers only.
Does opting in affect my Spectora Rewards earnings?
Eligible engagement with Protection Products is tracked and contributes to Spectora Rewards points. No action is required on your part. Points accumulate automatically beginning April 7, 2026, and will be redeemable when the full Spectora Rewards portal launches later this year.¹
¹ Offer valid on eligible Fixle Protection Product engagements from April 7, 2026 through June 30, 2026. Points will accumulate automatically during this period and will be available once the Spectora Rewards program launches. Spectora reserves the right to modify or discontinue promotional offers at any time.
