You don’t have to spell out every single thing that you think they might want to know. Have some faith that your callers will be able to figure things out on their own. Be natural but informative.
People may not want to give information about who lives in their home to unknown callers for a variety of reasons. This information may be used by telemarketers who could then ask for you by name when they call again, scammers who might do the same, or people who are not interested in your welfare. Women living alone for instance may use the “we” instead of “I” to suggest more people living in a house, and can even opt for using the machine generated message or computer generated “male voice” instead of their own voice to increase their security at home. For personal security reasons, you might want to avoid indication of children in the home, too, and you certainly shouldn’t mention that you’re on vacation.

Insurance agents have to deal with large numbers of clients almost all through the year. So, they are extremely busy and cannot take calls of clients. For them resorting to voicemail messages become inevitable. Here is one instance of VOIP phone service for businesses like this:
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