Lenders use your creditor score to help determine what kind of risk you are. But did you know that insurance companies look at your score to determine your home and auto premiums?

Check out this article in MONEY for the full story. Read the gist below.

Here’s how to qualify for the lowest rates on your home owner’s insurance.

• Pay your bills on time.
• Keep revolving balances low
• Keep your oldest credit cards open
• Don’t apply for lots of credit at once
• Get rid of miscellaneous cards you don’t use.
• Shop around.