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What is a home insurance score?
I’m looking to change my home insurance provider and an agent mentioned my home insurance score. I know my credit score by heart, but I’m not sure about my home insurance one. What‘s a home insurance score?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Home insurance
providers use a home insurance score to predict the odds of you filing a claim. A higher home insurance score indicates that you’re a lower-risk policyholder. And as a lower-risk policyholder, you’ll probably have a lower premium, which means more money in your pocket! Your home insurance score is not the same as your credit score. Your home insurance score is calculated by your
insurance provider
)—there’s no universal method to it. But, several home insurance agencies look for similar things like:- Credit score
- Oldest line of credit
- Current credit accounts
- Credit limit
- Neighborhood claims history
- Safety of your home
To find your exact home insurance score, you’ll have to be in touch with your insurance provider. Scores range between 200 and 997, and if you’re at 770 or above, you’re doing great.
Back to what we were saying earlier about doing it the easy way and saving money—download
Jerry
for the most painless insurance shopping experience of your life! A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home insurance. Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy.
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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