Our lead insurance carrier, Nationwide Insurance, rates Homeowners Insurance policies based on several variables, two of which happen to be prior claims and credit history.  Claims history is obvious; the more claims reported in the past is a fairly good indicator that more may follow.  Credit is not so obvious.  However, industry studies have proven that as credit history deteriorates, the likelihood of claims filed increases.  So what's the bottom line?

In order to give you an accurate quote, we must order an insurance credit score.  This does not count against your credit like applying for a loan or credit card.  For your privacy, our agency does not even have the capability to see what your score is.  By plugging in your information, our rating system quickly pulls your score and inputs it into our rating system and provides us with a rate.  It's that simple.

Must you provide us with this information?  No.  However, if we do not receive this information from you, our quote will be the highest possible rate we can charge you.  Does that provide for an accurate quote?  No.  It does provide you with a worst case scenario. Prior to applying for coverage, we must have this information.

We respect your privacy.  Our site is protected by a Secured Socket Layer (SSL) as indicated by the padlock at the bottom of your Internet browser.  The information you send is is encrypted just like any online site from which you buy goods and services.  While we have taken every precaution we can to guard your information, we will not be held liable if this information is stolen over the Internet.  If you would feel more comfortable and secure, please call this information into us at 434-846-5208 or 800-886-8402.  We understand the need to protect yourself against identity theft.  It's your choice on how you would like to supply this information.