I am going to buy a house in the next few months and was wondering......when I shop for home insurance does it ding my credit (is it a hard pull) and is it the same for auto insurance or are they all just a soft pull?
Starting Score: EQ 564, TU 560
@whodatnation2 wrote:I am going to buy a house in the next few months and was wondering......when I shop for home insurance does it ding my credit (is it a hard pull) and is it the same for auto insurance or are they all just a soft pull?
Varies state by state; CA they aren't allowed to pull my credit period, I'm not certain about Texas in your case (from your other post) but it's worth looking into. It almost assuredly wouldn't be a soft-pull unless you already had a relationship with the company in question.
I am an insurance agent in NC- the companies we work with only do soft pulls. I know not only because that's what they tell us but because I have done them to quote my own insurance. 
But just to be safe check with the insurance agent pulling your credit. They should know. Hope this helps!
