Do home insurance companies exchange claim information?

September 27, 2023

The prices for new house insurance that I’m researching are very excessive. Can my history of claims be the reason? Do home insurance providers exchange information about claims?

Yes, insurance companies exchange claim information, especially regarding home and auto insurance, so your history of claims can be the reason for the plans and premiums you’re offered.

For home insurance claims, there’s a Comprehensive Loss Underwriting Exchange (CLUE) database produced by consumer reporting agencies. CLUE enables insurers to access consumer claims information when underwriting a policy.

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