Credit-Based Insurance Score
Insurance Glossary
A rating factor built from information in a consumer credit report, used to help predict how likely a policyholder is to file a claim. It is not the same as a lending credit score, and it is not a judgment about whether someone can afford the policy. A few states prohibit or sharply restrict its use, and the rules differ by state and by line of insurance, so whether it affects a quote depends on where the policy is written.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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