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Why is my home insurance score so low?
Recently, I’ve begun to suspect that I’m paying too much for my home insurance. I heard that it may have something to do with my home insurance score and….yikes. I had no idea! Why would my home insurance score be so low?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Home insurance companies use different factors to determine the cost of someone’s home insurance, including your insurance score!
Your
home insurance
score is a metric your insurance company uses to calculate how likely you are to file a claim. Each home insurance provider has a unique algorithm for calculating your home insurance score. But, some common factors that can cause a low score are:
- Credit score: A low credit score will lower your home insurance score.
- Insurance claim history: Insurance companies believe you’re a higher risk to ensure if you submit claims frequently.
- Neighborhood claims history: Living in an area where claims are submitted frequently can also make you a risk to insure.
Home insurance scores range from 200 to 997. Anything below 500 means you’ll likely see higher premiums due to your increased risk as an insured. An insurance company will charge you more to offset the cost of insuring you and paying out claims.
While you may not be able to raise your home insurance score immediately, you can still save money by downloading
Jerry
. Jerry is an insurance comparison app that shops for low prices with top insurance companies for free. You will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away!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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