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Does getting a home insurance quote affect your credit score?
I’m about to buy a home for the first time, so a lot of this is new to me, especially the process of setting up home insurance. Does getting a home insurance quote affect your credit score?
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
What an exciting milestone! While insurance companies check your credit before giving you a quote, they do so via a soft inquiry, so it won’t affect your credit score.
That’s because, unlike hard inquiries, a soft credit inquiry isn’t linked to applying for a new line of credit. Keep in mind that both hard and soft credit inquiries will stay on your credit report for a couple of years.
Insurance companies check credit because they want to evaluate any risks that could come with taking you on as a client. With a higher
credit score
, your insurance company will assume there is less risk, and you’ll likely save on your premium.A good strategy to save even more on your premium is to seek out
multiple quotes
, which will increase your odds of getting the coverage you need for the best price. That’s where Jerry
can help! After answering a few quick questions, you can start comparing quotes from top insurance companies, like Travelers and Nationwide. An additional bonus: Jerry’s friendly, experienced agents are happy to answer any questions you might have along the way.
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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