Secure Affordable Renters Insurance Without a Credit Check

Why Credit Checks Are Typically Used

Insurance companies often use credit checks to assess the risk associated with a potential policyholder. The logic is that individuals with higher credit scores are statistically less likely to file claims, thus representing a lower risk to insurers¹. However, this practice can be a barrier for those with no credit history or poor credit scores, leading them to seek alternatives that do not penalize them based on their financial past.