Your credit history has a huge impact on what you pay and so determines if you land low cost online homeowners insurance quotes or expensive ones. You’ll attract higher home insurance premiums if you have a poor credit rating. A bad credit rating means that you’ve not been paying your bills promptly. This is a behavior that most insurance carriers believe will play out again in the way you treat your premiums. This marks you out as a bigger risk and therefore attracts a higher rate.

So do all within your power to pay all your bills in a timely manner. Apart from the other benefits in doing so, it will ensure you get  cheaper home insurance premiums.