You probably know that it’s a good idea to compare the rates offered by a few different companies before you purchase your CT homeowners insurance. What you may not realize is that there are other factors besides the provider that affect your rates. Here are just a few surprising things that can affect what you pay for homeowners insurance.

Your Credit History

Your credit history can affect many aspects of your life, and what you pay to insure your home is one of them. An excellent credit history will get you the lowest rates while having average or median credit means you pay about a third more. If you have poor credit you’ll pay almost double, so it’s worth working to improve your credit score before buying.

Previous Claims on Your Home

Even if they were made before you bought your home, previous claims on the property can increase your rates. Why? Homes that have made one claim are statistically more likely to make more. You may want to think twice before buying a property with multiple previous claims. It could be in an area prone to flooding or hurricane damage.

What Home Improvements You’ve Made

If you make an improvement to your home that increases security, you can actually lower your CT homeowners insurance rates. An upgrade to the roof or windows, smoke alarms, and security systems can all earn you discounts. Take to your insurance agent to see exactly how much you can save.