Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

If you’re applying for home insurance, you might hear about a  CLUE report , but what does it really mean? This report can  affect your rates, determine your coverage options, and even impact your ability to get insured .

In this article, we’ll break down  what a CLUE report is, why it matters, and how you can check yours before applying for home insurance .

A  CLUE report (Comprehensive Loss Underwriting Exchange)  is a database that tracks  insurance claims history  for individuals and properties. Insurance companies use it to determine risk and  set home insurance rates .

It includes  up to seven years of claims data , such as:

• Type of claim  (fire, water damage, theft, etc.)
• Date of claim
• Amount paid out  by the insurance company
• Policyholder details  (but not personal credit information)

A  bad CLUE report with frequent claims  can result in  higher premiums or even denial of coverage .

Home insurance companies check CLUE reports to assess  risk . They look at:

If a home has had  multiple claims  (like water damage or fire), insurers may see it as  high-risk , leading to:

✅  Higher insurance rates
✅  Coverage exclusions  (for certain types of damage)
✅  Denial of coverage  if risk is too high

Even if the home has no past claims,  your personal claim history matters . If you’ve made multiple insurance claims before, it may result in:

🚨  Higher premiums
🚨  Higher deductibles
🚨  Stricter policy terms

Not all claims affect insurance the same way.

🔹  Minor claims  (small wind damage) may not impact your rates much.
🔹  Major claims  (fire, mold, or water damage) can significantly increase costs.

A  negative CLUE report  can lead to:

❌  Higher insurance premiums  – Frequent claims signal a higher risk.
❌  Limited coverage  – Some past issues may be excluded from new policies.
❌  Denial of insurance  – Too many claims could lead to  policy rejection .

A  clean CLUE report , however, can help you:

✅  Qualify for lower rates
✅  Get better coverage options
✅  Avoid surprises when buying a home

You can  request your CLUE report for free once per year  from  LexisNexis , the company that manages the database.

1️⃣  Visit the LexisNexis website
2️⃣  Request your report online or call 1-866-312-8076
3️⃣  Review it for accuracy

💡  Tip:  If you’re buying a home, ask the seller for a CLUE report to check the property’s insurance history.

If your CLUE report has  multiple claims  or  incorrect information , follow these steps to  avoid high insurance costs :

✔  Limit small claims  – Pay out-of-pocket for minor repairs instead of filing claims.
✔  Maintain your home  – Regular  roof, plumbing, and electrical maintenance  can prevent costly issues.
✔  Dispute errors  – If a claim is incorrect,  contact LexisNexis  to have it removed.
✔  Compare insurance options  – Different insurers weigh CLUE data differently, so shop around for better rates.

No. A CLUE report  only exists if an insurance claim was filed  in the past seven years.

🔹  If no claims were made , the report will be blank.
🔹  If a property has many claims , it may be harder (or more expensive) to insure.

A  CLUE report can make or break your home insurance rates . Knowing what’s on your report before applying can  save you money, prevent surprises, and help you get the best coverage .

✅  Request your free CLUE report today  from LexisNexis.
✅  Check for errors and dispute incorrect claims .
✅  Compare home insurance quotes based on your history .
✅  Talk to an insurance expert  about your coverage options.

By being proactive, you can avoid high premiums and get the best home insurance deal!

Navigating  home insurance options  can be confusing, especially if your CLUE report affects your rates.  Working with a trusted local insurance broker, like Vargas & Vargas Insurance, ensures you get the best coverage at the most competitive price.

Vargas & Vargas Insurance has  years of experience helping homeowners find the right policies , even if they have a complex insurance history. Their team can:

✔  Compare multiple insurance providers  to find the best deal
✔  Help you understand your CLUE report  and its impact on your coverage
✔  Offer personalized advice  to protect your home at the best possible rate

📌  Get in touch with Vargas & Vargas Insurance today to find the best home insurance for your needs!

📌  Visit LexisNexis   here  to get your free CLUE report today!