Anyone in the business of HomeOwner's Insurance???

Is there a database the insurer's run your name thru to see if you have ever filed a claim, or been sued??? Just wondering what happens if your insurance company drops you , when you try to get other insurance.

Thanks.

P.S. No, we haven't been dropped. Long story, not to be shared right now. Thanks.

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Doing the right thing isn't always the same as doing the easy thing.

It may depend what state you are in.
When I sold home owners insurance, 8 yrd ago in New York- we considered prior claims and credit score but
I do not believe lawsuits were included and you could have claims but it would depend on credit, kind of claim and if it was a completly different house you were insuring. So, a host of factors came into to play.

Being dropped by a company, also has a state by state rule.

feel free to email me, if you have any other questions- I can try to find out your states rules

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Sheri

Depends on your state and situation but yes, agents/companies can see prior history/claims etc with other companies. Credit score also matters. Best thing is to check your state laws -