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Not only do you want a good credit score when you apply for a mortgage, but you also need it so you can insure that home at an affordable rate as well. If you spend the time and effort to improve your credit rating it will pay dividends when you are ready to purchase a house and the insurance along with it.
Insurance companies will often factor your credit score into the rate they are willing to give you in a quote. So if you know that you are looking to buy a home in the next year to few years and your credit is not in the best shape it could be, now is the time to start working on this. Especially if you want to get the best homeowners insurance rates possible.
Then it is a matter of keeping your credit in good standing by making payments on time. A good way to do this with no hassle is to enroll in automatic payment plans where the monthly premium for your homeowners insurance is automatically deducted from you checking account at the same time each month. This way you never forget to make the payment yourself.