You should take steps to improve your credit and financial standing, but if you need home insurance coverage immediately, try these short-term tips to get an affordable homeowners insurance policy with a low credit score:Get as many quotes as possible to make an informed decision. When insurance companies check your credit score, it’s not a hard inquiry; get as many as you need. Doing so will not result in a lower credit score.There are discounts to paying the annual premium in full rather than monthly or quarterly. Have multiple policies with the same company for deals such as auto insurance.      After six months of working on improving your fico credit score, ask your homeowners’ insurance company to reassess your policy based on the updated score to see if you can receive lower rates. Be aware of your credit score by checking with credit bureaus such as Experian, Transunion, or Equifax to get the best homeowners insurance rates.