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How high insurance quotes online you get are is partly determined by your credit history. You will pay higher home insurance rates if you have a low credit rating. What your credit rating reveals is how you have handled your bills and it speaks badly about you if it is a poor one. An insurance company interprets this to mean that you are financially irresponsible and will possibly default in paying your premiums. This makes you a higher risk to them and you, therefore, are made to spend higher than some other person with similar profile that has a very good rating.

So do your best possible to attend to all your bills in a promptly. Apart from the other benefits in doing so, it will ensure you get  cheaper home insurance rates.