Yeah mine isn't the greatest,but not the worst, I kept my homeowners with Vermont Mutual...Still saving a bunch. I have heard that in some instances credit does make a difference,but my agent has never mentioned it.When I got together with my wife,she had homeowners ins from one of the online places, progressive or gieco...anyways, I called my agent....saved 452$ per year,on homeowners alone.same amount of coverage.Plus if something happens....call the agent and let them deal with it.