https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-affects-Homeowner-s-Insurance-premium/m-p/528226#M131492 <P>I just received a Homeowner's Insurance policy renewal with my Insurance Company that I've used for five years. In the renewal they stated I was not receiving the lowest rate because:&nbsp; <EM>Based on the information in consumer reports, including credit-based insurance score, you are not receiving our lowest premium.</EM></P><P>&nbsp;</P><P>I called the insurance company and they informed me that to receive the lowest premium the FICO score must be above 803!&nbsp; I realize they can do anything they darn well please, but all information I've read to date indicated that a credit score above 760 was considered excellent.</P><P>&nbsp;</P><P>BTW: My FICO score is 796. Guess I'm a credit risk.</P> Wed, 01 Jul 2009 16:13:49 GMT Anonymous 2009-07-01T16:13:49Z https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-affects-Homeowner-s-Insurance-premium/m-p/528226#M131492 <P>I just received a Homeowner's Insurance policy renewal with my Insurance Company that I've used for five years. In the renewal they stated I was not receiving the lowest rate because:&nbsp; <EM>Based on the information in consumer reports, including credit-based insurance score, you are not receiving our lowest premium.</EM></P><P>&nbsp;</P><P>I called the insurance company and they informed me that to receive the lowest premium the FICO score must be above 803!&nbsp; I realize they can do anything they darn well please, but all information I've read to date indicated that a credit score above 760 was considered excellent.</P><P>&nbsp;</P><P>BTW: My FICO score is 796. Guess I'm a credit risk.</P> Wed, 01 Jul 2009 16:13:49 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-affects-Homeowner-s-Insurance-premium/m-p/528226#M131492 Anonymous 2009-07-01T16:13:49Z https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-affects-Homeowner-s-Insurance-premium/m-p/528749#M131544 I would look for another ins.company. They do not all pull scores. Thu, 02 Jul 2009 18:06:50 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-affects-Homeowner-s-Insurance-premium/m-p/528749#M131544 Anonymous 2009-07-02T18:06:50Z https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-affects-Homeowner-s-Insurance-premium/m-p/529663#M131619 Most insurance companies make a credit inquiry through ChoicePoint.&nbsp; ChoicePoint obtain its data from Equifax.&nbsp; Mon, 06 Jul 2009 00:48:20 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/FICO-Score-affects-Homeowner-s-Insurance-premium/m-p/529663#M131619 DI 2009-07-06T00:48:20Z