CLUE Yourself In

If you're buying an existing home, youmay have problems getting homeownersinsurance if previous ownershad a history of filing claims. Insurershave found that new owners of homeswith a record of claims are more likelyto file a claim in the future. A home'sclaims record is contained in a databasecalled comprehensive loss underwritingexchange (CLUE), which is used by propertyinsurance companies to help themdecide whether to insure your house.You can order a CLUE report on yourhome through Choicetrust.com for$12.95. You can't get a CLUE report ona house you're interested in (only thehomeowner can do that), but you canrefuse to close the deal until the sellershows the report to you.