Can I Run My Own Clue Report?
Yes, through LexisNexis you can request your own C.L.U.E. report free once a year, showing claims tied to you or your house.
Free to compare
Checking your own claims history
Your renewal going up with nothing changed on the house often has nothing to do with the C.L.U.E. report at all. That report shows claims, yours or ones tied to the address from a previous owner, and if there's nothing on it, the increase is coming from somewhere else. Insurers also reprice based on rebuilding costs in your area, weather losses across your state, and changes to their own rates that apply to everyone, not just you. Pulling the report is still worth doing. It tells you whether the increase is about your history or about the broader market, which changes what you do next. If the report is clean, the higher price is a market-wide move, and that's when comparing other insurers tends to pay off.
A clean C.L.U.E. report means the increase came from rebuilding costs, weather losses, or a rate change that hit everyone, not something tied to your house. That's worth knowing, because it means another insurer pricing the same risk without your current insurer's rate change could land lower. Comparing now shows whether that's true for your address.
What's actually on the report
A C.L.U.E. report covers the last seven years and lists each claim by date, type of loss, and amount paid out, whether the claim was yours or filed by someone who owned the house before you. Water damage and wind are the two that show up most and tend to weigh the heaviest on pricing, even small ones. A claim that was denied or withdrawn can still appear on the report, so seeing an entry doesn't mean it cost an insurer money.
If you find a claim you don't recognize, or one that's tied to a previous owner and has nothing to do with how the house is now, that's worth raising with your current insurer directly. Reports do contain errors sometimes, wrong dates, duplicate entries, a claim logged against your address that belonged to a different policy. LexisNexis has a dispute process for this, separate from anything your insurer handles, and correcting a mistaken entry can matter at your next renewal even if it does nothing for the price you're looking at right now.
The report also won't explain a price change by itself. It tells you what's on file, not how any insurer weighs it. Two insurers can look at the same clean history and price it differently, because each sets its own rules for how much a past claim matters and for how long. That's part of why a clean report is the signal to compare rather than the end of the question. It rules out your own history as the cause, which means the increase is coming from pricing decisions that vary by insurer.
Requesting your own report doesn't affect your rate. It doesn't show up as an inquiry the way a credit check would. It's a record request, not an application, so nothing about pulling it changes what any insurer sees or offers. There's no downside to checking it even if you end up not needing it, and once a year it costs nothing to do.
How do you actually get your C.L.U.E. report
LexisNexis runs the C.L.U.E. database, and they're the ones you request it from, not your insurance company. The request goes through their consumer disclosure process, either online or by phone. You'll need to confirm who you are first. That means your name, address, date of birth, and Social Security number, the same information any consumer report asks for before it hands over someone's history.
Once you request it, the report usually comes back within a few days, sometimes faster if you request it online. It arrives as a document you can read yourself, no account needed, no login to maintain. If you've owned the house less than seven years, you can also request a report on the address itself, which is how you'd see claims tied to a previous owner. That's a separate request from the one tied to your own name.
You're entitled to one free copy every twelve months, the same way you get one free credit report a year from each bureau. Requesting it more often than that may come with a small fee, so if you're checking before a renewal, it's worth timing it so you're not pulling it twice in the same year without needing to. If you've requested one recently for a mortgage refinance or a previous move, check whether you're still within that free window before requesting again.
Nothing about the request requires your current insurer's involvement. They don't see that you asked for it, and it has no bearing on your policy or your premium either way. It's your information to check, on your own schedule, whenever you want to understand what's actually on file before deciding what to do about a renewal increase.
Before your renewal date arrives
Pull your C.L.U.E. report and check it against the renewal letter. If it's clean, the increase isn't about your house. That's the moment to see what another insurer would charge for the same place.
