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calicosRus

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CreditKarma scores say Excellent, but home insurer says prevented "from receiving you best" rate
Insurer claim, "Our research has proven that certain credit characteristics are strong predictors of a customer's likelihood of submitting a claim." Would not answer what research or consider personal history. Have "low" score according to them (not CK scores) because I was raised to not spend what I didn't have. Used debit accounts rather than credit, did not take out loans, paid cash. Despite my never having filed a claim in 23+ years, I'm strongly predicted to do so? CK only offers auto insurance (no longer drive; don't own car); any recommendation on how to combat this insurer's annual personal insult?

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Just contact another insurer for their price quote.  You can't fight their annual premium, its their fee.  

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