There are a number of points that would be helpful as you get and compare home insurance rates. Here’s one: How cheap home insurance quotes you attract are is influenced by your credit rating. People who have excellent ratings pay far less than those who have low ratings. If your credit rating is bad then you’ve been missing important payments. This is a pattern that most insurance carriers believe will play out again in the way you treat your premiums. If you’re considered a potential defaulter, it makes you a higher risk and attracts more expensive rates than otherwise. 

Therefore, it is a wise decision to clear all your bills once they are due. Apart from the other benefits in doing so, it will ensure you get  lower home insurance premiums.