What drives your home insurance risk score

Insurers score every home before they price it. Here is what goes into that score, and what U can influence.

By the InsuranU team Updated July 20264 min read

Behind every quote is a risk score built from your home, your location and your history. Some of it U can change, some U cannot.

Location risk

Weather exposure, wildfire and flood zones, crime rates and distance from a fire station all factor into location risk, and none of it is in your control.

Home-specific risk

Age of the roof, wiring and plumbing
Construction materials and fire resistance
Swimming pools, trampolines and other liability hazards
Security systems and smoke detectors

Your history

Past claims and, where allowed, your credit-based insurance score both feed into the final number.

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Common questions

Can I see my own risk score?

Not always directly, but your insurer can usually explain what drove your quote.

Does my credit score affect my premium?

In many states, yes, through a credit-based insurance score. Some states restrict or ban this.

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