Does getting a home insurance quote affect your credit score?

I’m about to buy a home for the first time, so a lot of this is new to me, especially the process of setting up home insurance. Does getting a home insurance quote affect your credit score?

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Answer provided by
Melanie Mergen
Answered on May 02, 2022
What an exciting milestone! While insurance companies check your credit before giving you a quote, they do so via a soft inquiry, so it won’t affect your credit score.
That’s because, unlike hard inquiries, a soft credit inquiry isn’t linked to applying for a new line of credit. Keep in mind that both hard and soft credit inquiries will stay on your credit report for a couple of years.
Insurance companies check credit because they want to evaluate any risks that could come with taking you on as a client. With a higher credit score, your insurance company will assume there is less risk, and you’ll likely save on your premium.
A good strategy to save even more on your premium is to seek out multiple quotes, which will increase your odds of getting the coverage you need for the best price. That’s where Jerry can help!
After answering a few quick questions, you can start comparing quotes from top insurance companies, like Travelers and Nationwide. An additional bonus: Jerry’s friendly, experienced agents are happy to answer any questions you might have along the way.

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