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Do home insurance quotes affect your credit score?
I’m shopping around for home insurance for my first home. I don’t want to do anything that might change my credit score before I close on my home. Will getting home insurance quotes affect my credit score?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your first home! Getting
home insurance
is a key part of owning a house, and your credit score does play a role here, but getting home insurance quotes won’t affect your credit score. When you get quotes for homeowners insurance, the insurance companies will check your credit score to help calculate an estimated premium. You may be worried this could hurt your credit score, but don’t worry—your credit score is safe when it comes to quotes.
Insurance companies check credit scores using a soft pull, a kind of credit inquiry that will not affect your score. These inquiries can show up on your own personal credit reports, but they are not visible to lenders. Soft pulls have zero effect on your credit score, no matter how many insurance quotes you get.
Since most lenders require home insurance when you close on your home, consider using
Jerry
to find cheap home insurance quotes fast. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and Jerry can even help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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