Insurance Score Impact Calculator
Credit, claims, and how long you've been with your carrier all move your premium. See the dollar impact and where to focus.
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Want to know if your actual policy has this issue?
Upload your declarations page and we'll show you what your current carrier is actually charging you for credit and claims — and whether another carrier would price your profile better.
Frequently asked questions
What is an insurance score?
An insurance score is a credit-based rating most carriers use to price homeowners insurance. It's similar to a credit score but weighted differently — payment history and credit utilization matter most. California, Maryland, and Massachusetts restrict its use.
How much does credit affect my home insurance?
A lot. Going from excellent to poor credit can roughly double your premium with some carriers. Different carriers weight credit very differently — which is why shopping with multiple carriers matters most for fair-to-poor credit profiles.
Do claims raise my premium even if they weren't my fault?
Often yes. Carriers see any prior claim as a future-loss signal, even weather claims. A single hail claim may add 10–20%; two or more can push you out of standard markets entirely.
Learn more about credit & insurance scoring
How this is calculated
Credit multipliers (0.85× excellent, 1.0× good, 1.25× fair, 1.65× poor) reflect typical national-average carrier rate factors. Each claim adds ~14% (capped at 55%). Tenure subtracts up to 7% over 5+ years. State regulations and individual carrier underwriting can materially change these numbers — use as a directional estimate.
More questions
Does staying with the same carrier save money?
Loyalty discounts typically max out at 5–7% after 3–5 years. That's often less than the savings from shopping. The exception: tenure also matters for claim forgiveness and renewal underwriting.
Can I improve my insurance score quickly?
Paying down revolving balances and disputing reporting errors can move the needle within 1–2 billing cycles. Avoid new credit applications 90 days before re-shopping coverage.
Carriers weight credit very differently.
An independent advisor can run your profile across multiple carriers and find one whose underwriting favors your situation.
Quote requests are paused while we finalize licensing.
Join the waitlist with your email (and state, if you'd like) — we'll reach out the moment we're licensed and ready to quote in your area.