How Credit Scores Impact Your Homeowners Insurance
Episode Description
ABOUT THE EPISODE Benjamin Keys, Wharton Professor of Finance and Real Estate, explores how credit scores influence homeowners insurance rates, why insurers use credit-based pricing, and the broader factors that determine homeowners insurance costs.
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Brief Summary
Credit scores significantly affect homeowners insurance rates, often more than climate risk, impacting lower-income households the most.
Key points
- Impact of Credit Scores on Insurance. Credit scores significantly affect homeowners insurance rates, often more than climate risks.
- Insurance Prices Rising. Homeowners insurance prices have increased nearly 7% over the last year, outpacing inflation.
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Episode highlights
- Impact of Credit Scores on InsuranceCredit scores significantly affect homeowners insurance rates, often more than climate risks.“Your credit score is actually a bigger determinant than your climate risk.”2:14Apr 10, 2026
- Insurance Prices RisingHomeowners insurance prices have increased nearly 7% over the last year, outpacing inflation.“These are challenging times in the homeowners insurance market.”8:53Apr 10, 2026
