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How Your Credit Rating Impacts Home Insurance Costs

How Your Credit Rating Impacts Home Insurance Costs

It's amazing how many people in Kentucky are not aware the tremendous impact their credit rating has on most everything they purchase throughout their lives. For instance, homeowner's insurance. Many people have no idea why their rates may be substantially higher than someone who has the same coverage. The answer may very well be their credit rating.

It's true. You credit rating can make or break you in many situations. Insurance companies take a long look at your credit rating prior to determining the amount of your individual insurance premiums.

Just like any other business, the insurance business does not want to assume the risk that is associated with someone that has a low credit rating. Thus, they pass the costs on to you if you have a low credit rating. They feel it may be likely you will neglect to pay your bills, so they make certain you are charged more for the risk they assume to insure you.

On the other hand, if you have a high credit rating, you are given a much lower insurance rate. This is even more incentive to keep your credit at an optimal level. The fact that you can save money on your insurance by having paid your bills on time is even more incentive to keep doing so.

However, take heart if you have a low credit rating, you can work to repair it. The best way to start getting a better credit rating is to be certain you pay your bills on time. It's a good idea to pay them early if possible. When you continue to pay your bills on time, it will make a difference over time, but it will take time.

Also, if you are forced to pay higher homeowner's premiums because of bad credit, you should consider offsetting some of this by finding other ways to lower your insurance bills. One great way to do just this is by increasing your deductible. This may make up for the difference you have to pay for having a low credit rating.

Free Home Insurance Quotes in Kentucky

Adair County
Grant County
Mclean County
Allen County
Graves County
Meade County
Anderson County
Grayson County
Menifee County
Ballard County
Green County
Mercer County
Barren County
Greenup County
Metcalfe County
Bath County
Hancock County
Monroe County
Bell County
Hardin County
Montgomery County
Boone County
Harlan County
Morgan County
Bourbon County
Harrison County
Muhlenberg County
Boyd County
Hart County
Nelson County
Boyle County
Henderson County
Nicholas County
Bracken County
Henry County
Ohio County
Breathitt County
Hickman County
Oldham County
Breckinridge County
Hopkins County
Owen County
Bullitt County
Jackson County
Owsley County
Butler County
Jefferson County
Pendleton County
Caldwell County
Jessamine County
Perry County
Calloway County
Johnson County
Pike County
Campbell County
Kenton County
Powell County
Carlisle County
Knott County
Pulaski County
Carroll County
Knox County
Robertson County
Carter County
Larue County
Rockcastle County
Casey County
Laurel County
Rowan County
Christian County
Lawrence County
Russell County
Clark County
Lee County
Scott County
Clay County
Leslie County
Shelby County
Clinton County
Letcher County
Simpson County
Crittenden County
Lewis County
Spencer County
Cumberland County
Lincoln County
Taylor County
Daviess County
Livingston County
Todd County
Edmonson County
Logan County
Trigg County
Elliott County
Lyon County
Trimble County
Estill County
Madison County
Union County
Fayette County
Magoffin County
Warren County
Fleming County
Marion County
Washington County
Floyd County
Marshall County
Wayne County
Franklin County
Martin County
Webster County
Fulton County
Mason County
Whitley County
Gallatin County
Mccracken County
Wolfe County
Garrard County
Mccreary County
Woodford County

Major Cities in Kentucky


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