Reviewed and approved by Samuel Corso, licensed Texas insurance agent.

Published July 24, 2026 · Updated October 1, 2026

Does getting home insurance quotes affect your credit score in Texas?

You're ready to compare a few home insurance quotes, but you've heard that insurers check your credit, and you don't want a round of quotes to count against you right before you buy a house or refinance.

The short version. The Consumer Financial Protection Bureau (CFPB) says in What is a credit inquiry? that soft inquiries, which include reviews of existing accounts by lenders or insurance companies, will not affect your credit scores. That page does not name home insurance quotes or say every insurer check is a soft inquiry, so if you're getting quotes in Texas you can ask each insurer which kind it runs.

Here's what we'll cover: what the CFPB says about credit inquiries, what the Texas Department of Insurance (TDI) says about credit checks related to insurance coverage, how credit history can affect your rate, what an insurance credit score is, and the limits TDI describes on how insurance companies in Texas may use credit.

Does getting a quote affect your credit score?

The CFPB's page What is a credit inquiry? sorts credit inquiries into hard inquiries and soft inquiries, and says soft inquiries will not affect your credit scores. Hard inquiries, the page says, are often inquiries by lenders after you apply for credit, and these will impact your credit score. Soft inquiries are reviews of your credit file, and the CFPB's list of them includes reviews of existing accounts by lenders or insurance companies. Of soft inquiries, the CFPB says: "These will not affect your credit scores."

The CFPB page was last reviewed on September 5, 2025. It does not name home insurance quotes, and it does not say every credit check by an insurance company is a soft inquiry. If that matters to you, for example before a mortgage application, you can ask the insurer what kind of credit check it runs before you agree to one.

TDI's general insurance tip sheet How your credit score can affect your insurance rates has a list of things insurance companies can't use against you, and one item on that list reads: "Credit checks related to insurance coverage." TDI does not explain what it means by that phrase, and the tip sheet does not mention quotes or single out home insurance. That list concerns how insurance companies treat your credit and says nothing about a credit score.

How credit can affect your home insurance rate in Texas

Credit history can be one of the things a Texas insurance company uses to price a home insurance policy. In the tip sheet, TDI puts it this way: "Most insurance companies use your credit history to help them decide whether to sell you insurance and how much it will cost."

TDI's other pages word this a little differently. Its Credit scoring and insurance page says insurance companies may use your credit information to decide whether to sell you insurance and what rate to charge you, and adds: "The way companies use credit information varies by company." TDI's Home insurance guide says some companies use your credit score to decide what to charge you.

So your credit history may be reviewed when a company decides whether to sell you a policy and what to charge. Our guide on why home insurance rates go up in Texas walks through the pricing factors TDI lists, credit among them.

What an insurance credit score actually is

An insurance credit score is a score built from your credit history that an insurance company may use alongside other information. TDI's credit scoring page says: "An insurance credit score comes from your credit history." The same page says companies use the scores, along with other factors, to estimate your potential to have an insurance claim.

That TDI page lists what companies look at in your credit score: the number of loan and credit accounts you have, the amount you owe, your history of past due payments, the age of your oldest and newest accounts, and the number of checks or inquiries of your credit history in recent months or years. It notes that accounts include mortgages, loans, credit card accounts, and retail charge accounts.

So the score TDI describes is drawn from your credit history and is used, along with other factors, to estimate claims.

What TDI says about limits on credit use in Texas

TDI's two credit pages describe limits on how insurance companies in Texas may use credit information. Both pages cover insurance in general, which includes home insurance. TDI's credit scoring page also says companies that use credit information must give you a disclosure form that describes your rights and protections.

• Credit as one factor. From TDI's credit scoring page: "Credit information can't be the only factor a company uses when deciding to sell you insurance and at what rate."
• Refusal, cancellation, and nonrenewal. The same TDI page says a company can't refuse to sell you a policy, or cancel or not renew your policy, based solely on your credit.
• Life events. TDI's credit scoring page says: "Insurance companies can't refuse to insure you or charge you more if your credit score was hurt by a divorce, temporary loss of employment, or similar life event." It says companies must also make exceptions for identity theft and for the death of a spouse, child, or parent. Per that page, you ask for an exception by written request, the company may require you to document the event, and companies aren't required to consider repeated events. TDI's tip sheet lists the events as a major illness or injury, the death of a spouse, child, or parent, temporary job loss, a recent divorce, and identity theft.
• Notice. According to TDI's tip sheet: "The insurance company has to tell you within 30 days if it's denying you coverage or charging more because of your credit report." TDI's credit scoring page says the company must tell you how to dispute inaccurate or prohibited credit information.
• Loan shopping. From TDI's tip sheet: "If you have several credit checks in a 30-day period when shopping for a home or auto loan, the insurance company should only count that as one." That TDI line is about shopping for a loan and does not mention insurance quotes.

Taken together, TDI describes credit as something a company may weigh along with other factors, with a route to ask for an exception when one of the listed events hurt your credit.

What this means when you shop

Shopping for home insurance in Texas means your credit history may be looked at, and TDI's pages describe how insurance companies may and may not use it. Here are steps you can take as you compare.

• Ask how each company uses credit. TDI's credit scoring page says the way companies use credit information varies by company.
• Check your credit report. TDI's tip sheet calls it a good idea to check your credit report regularly for changes or errors. The CFPB's inquiry page, last reviewed September 5, 2025, says reviewing your own credit reports will not affect your credit scores, and that since the COVID-19 pandemic the nationwide credit reporting companies grant access to your reports every week if you request it.
• Mention a listed life event. If your credit was affected by one of the events TDI lists, TDI's credit scoring page says to send a written request to the insurance company to ask for an exception, and that the company may require documentation.
• Read any notice about credit. TDI's tip sheet says the insurance company has to tell you within 30 days if it's denying you coverage or charging more because of your credit report. Our suggestion, if you get such a notice, is to check your credit report for errors.

These steps can help you understand what is behind a quote.

Key facts

• The CFPB's What is a credit inquiry? says soft inquiries, which include reviews of existing accounts by lenders or insurance companies, will not affect your credit scores. The page does not name home insurance quotes or say every insurer check is a soft inquiry.
• TDI's tip sheet lists credit checks related to insurance coverage among the things insurance companies can't use against you. The page covers insurance in general and does not explain the phrase.
• The same TDI tip sheet says most insurance companies use your credit history to help them decide whether to sell you insurance and how much it will cost.
• TDI's Home insurance guide says some companies use your credit score to decide what to charge you.
• TDI's credit scoring page says an insurance credit score comes from your credit history and that companies use it, along with other factors, to estimate your potential to have an insurance claim.
• TDI's credit scoring page says credit information can't be the only factor a company uses, and that a company can't refuse to sell, cancel, or not renew a policy based solely on your credit.
• TDI's credit scoring page says insurance companies can't refuse to insure you or charge you more if your credit score was hurt by a divorce, temporary loss of employment, or similar life event. It says you ask for an exception by written request, the company may require documentation, and companies aren't required to consider repeated events.
• TDI's tip sheet says the insurance company has to tell you within 30 days if it's denying you coverage or charging more because of your credit report.

Sources: Consumer Financial Protection Bureau, What is a credit inquiry?; Texas Department of Insurance, How your credit score can affect your insurance rates, Credit scoring and insurance, and Home insurance guide. This page is general information, not legal advice — for questions about your legal rights, check your policy or contact the Texas Department of Insurance.

Take the next step

If a worry about your credit has kept you from comparing home insurance, knowing what the CFPB says about credit inquiries and what TDI says about credit history is a good starting point. The next step is to see quotes for your own home and ask how each company uses credit.

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