 TITLE: How Do I Get Homeowners Insurance With Bad Credit? CONTENT: Does Your Credit Score Affect Homeowners Insurance?\n---------------------------------------------------\nWhen you apply for homeowners or auto insurance, you can generally expect the insurance company to check your credit report. They'll typically also use a credit-based insurance score based on your credit history to determine the likelihood that you'll file a claim.\nAccording to the National Association of Insurance Commissioners, 85% of homeowners insurance companies use credit-based insurance scores in states where it's legally allowed.\nThis means that if you have a relatively low credit score, it could potentially lead to higher premiums on your policy. That said, your credit history isn't the only factor insurance companies consider when determining rates. Other factors include:\n*   Coverage amount\n*   Deductible amount\n*   Location of the covered property\n*   Local crime statistics\n*   Safeguards, including smoke detectors and home security systems\n*   Construction type and materials\n*   Condition and age of the home\n*   Your previous claims history\nAs you search for a homeowners insurance policy, take time to shop around and compare quotes from multiple insurers before you settle on one. Also, keep in mind that many insurance companies offer discounts on bundled homeowners and auto insurance policies.\nThat won't necessarily ensure the lowest price, but it can help as you look for the policy with the best value. END