Does Credit Rating Affect Homeowners Insurance? 
Yes it can . Many Homeowners Insurance Providers these days include your credit among other underwriting elements in order to determine the rate they offer you for Homeowners ' Insurance . Other factors include loss history , usually within the past three years , where the house is situated with respect to fire hydrants and responding fire departments and whether or not you have a central alarm system in your home . Many companies offer very nice discounts if also insure your car with them and others also offer an additional discount for Life insurance . So be sure to ask about any `` bundling '' offers your company may have . 