Do home insurance companies exchange claim information?

January 8, 2024

The prices for new house insurance that I’m researching are very excessive. Can my history of claims be the reason? Do home insurance providers exchange information about claims?

Yes, insurance companies exchange claim information, especially regarding home and auto insurance, so your history of claims can be the reason for the plans and premiums you’re offered.

For home insurance claims, there’s a Comprehensive Loss Underwriting Exchange (CLUE) database produced by consumer reporting agencies. CLUE enables insurers to access consumer claims information when underwriting a policy.

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Oleksandr Rohovnin is a Content Marketer at and an expert contributor to CoverExplore. His passion is digital marketing, innovative technologies, tech industries, and – above all – distilling vast amounts of complex information into engrossing narratives anyone can relate to. At CoverExplore, Oleksandr stokes passion for auto insurance and the automotive industry in general in every story he curates.