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Can you answer how this can be used for home owners insurance?

I just got a letter from my insurance company for my house insurance saying they are introducing a credit rating factor. They want my permission to view my credit rating. HOW is this supposed to be considered as an insurance factor?

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hlpflwthat · M

It isn't an insurance factor. It's a customer factor - same as discounts on auto insurance for good grades. Your past behavior is an indicator of future behavior. Corporations like 'good' customers.