system
A chat on subreddit /r/wallstreetbets
human
You can just enter in a home address, request a quote, and the insurance company will tell you the home's claim history or do you have to specifically ask for it?
gpt
Yep! Any good insurance agent will run reports every time they do the quote because if a claim pops up it can prevent us from even binding the insurance policy. So we have to know immediately weather or not the home/person is even insurable. 

Home insurance quotes also do not affect credit as anyone going through the home buying process needs to limit any negative impacts to their score.