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Homeowners Insurance & Credit

Established Contributor

Homeowners Insurance & Credit



I recently changed to a different homeowners insurance company, Travelers. My FICOs are all in the mid 700s.  


The letter I received  from Travelers said I did not qualify for the lowest rate because my credit history is too short.


This was interesting to me as, although I knew one's credit was a factor for rates, I did not know that length of credit history would come into play. I think it's BS, but there's nothing I can do about it.

Message 1 of 2
Senior Contributor

Re: Homeowners Insurance & Credit

Insurance companies have been selling this line of BS about a connection between credit and likelihood to get into an accident or have a tree fall on your house. It's the same line of BS used to try and connect credit and trustworthy employees.
Message 2 of 2