Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 25, 2011

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Insurance Question from Mankato, MN

Asked on 07/25/2011

ARE THERE ANY COMPANIES IN MINNESOTA WHO DO NOT SURCHARE FOR CREDIT RATING OR RATE UP IS SMALL NULL

Answer given on July 30, 2011

Each state has different rules and laws about writing homeowner policies. You should contact an independent agent, who generally works with multiple insurance companies. They may be able to help you with your needs since they often have access to companies other agents do not.You should also contact some of the direct writers, such as Farmers, State Farm and Allstate. Their rules are often the same with all states and may not check your credit rating.When you talk to the agents be sure you understand how the charge for homeowner isnurance. It may not be your credit rating, but loss history or some issue with your home. You can also contact your Dept of Insurance in your state. They may have a list of companies who do not surcharge for credit rating.


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