FCRA Policy

In connection with this insurance rate quote and/or application and any renewal of insurance, we shall obtain and use a credit-based insurance score based on the information contained in your credit report. We use a third party in connection with the development of your insurance score.

Applicants and policyholders: You will have the right on an annual basis to request that we obtain a current credit report for you and determine whether use of the new credit report would result in a decrease in your insurance premiums. If the new credit report that we receive would result in a decrease in your insurance premiums, we will make that reduction. If the new credit information would not reduce your insurance premiums, the credit report will not be used to impact your premiums in any way.

You have the right to question the accuracy of the credit information we use.  Upon your request, we will reevaluate the credit-based insurance score based on corrected credit information from a consumer reporting agency.  

This policy is not applicable in California.