 TITLE: Do Home Insurance Companies Check Your Credit? CONTENT: In states where it's allowed, which is most of them, insurers will usually look at your consumer credit report to see your financial history and assess if you'll be able to pay your premiums.\nHome insurers and other insurance companies look for similar criteria as lenders, such as your payment history, any issues with collections and your credit utilization (in other words, whether you're keeping your credit card balances low).\nJust like lenders, they want to make sure you have a history of paying your bills on time, don't carry too much debt and don't have a history that includes debt going into collections or filing for bankruptcy. END