You will spend more or less depending on your credit history. People who have excellent ratings are better positioned for cheap Delaware homeowner’s insurance than people who have low ratings. If your credit rating is poor then you’ve been missing important payments. An insurer takes this to mean that you’re financially irresponsible and will possibly default in paying your premiums. This marks you out as a bigger risk and so attracts a higher rate. 

Therefore, it is a wise decision to pay all your bills promptly. You will attract cheaper premiums if you do. That is, apart from the fact that it will help you in other areas too.