With respect to homeowner's insurance, an insurer may not: Refuse to underwrite, cancel, or refuse to renew a risk based wholly or partly on the credit history of an applicant or insured, including the absence of or inability to determine credit history; Rate a risk based wholly or partly on the credit history of an applicant or insured, including the absence of or inability to determine credit history, in any manner, including: Providing or removing a discount or imposing or removing a surcharge; Assigning the insured or applicant to a tier; or Placing an applicant or insured with an affiliated insurer; or Require a particular payment plan based wholly or partly on the credit history of an applicant or insured, including the absence of or inability to determine credit history.