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Assuming that you're buying a property with "bad credit", your lender will likely (or should) offer to sell you a homeowner's policy before your loan closes. If not, many insurers have programs for people with low FICO scores; there may be restrictions on the policy and the premium is likely higher. The bottom line: the insurers are more interested in the risk to the property than your personal credit; a policy that fits your needs is likely available.

Some potential good news: If, after closing on your property the lender finds that you don't have insurance on the property, they will (or should) offer to sell you a basic homeowner's policy to cover their interest in the property. This policy might be more expensive than what you could find on your own, but it's still insurance and it may meet your needs. Good luck!

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Q: How to get Home owners insurance with bad credit?
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Related questions

Where can one with bad credit obtain auto insurance?

Someone with bad credit can obtain auto insurances at various places. Bad credit shouldn't stop someone from wanting to obtain auto insurance. Direct Insurance is a company that will provide auto insurance to people with bad credit.

Where can you find homeowner's insurance if you have bad credit?

Insurance companies are awful. Keep calling around. You might ask your home loan place if they can help.

Where can I find a bad credit home loan?

You can find a bad credit home loan at

How do you get affordable homeowners insurance with bad credit?

There are companies that do not run credit score.

What does one do if a car insurance company doesn't give one their credit check?

Some car insurance companies do not do credit checks. And not receiving a credit check won't do anything bad. In fact, if one has bad credit or no credit and the insurance company does decide to do a credit check, that person might end up paying a larger rate.

How can you get your car insurance to ignore your bad credit and lower your rates?

A bad credit rating will most always affect your car insurance rates. This is what car insurers call 'being at risk' - The best 'fix' to get lower car insurance rate is to improve your credit rating.

Where can one get a home mortgage if one has bad credit?

One can get a home mortgage if one has bad credit from several different places. Some of the places that one can get a home mortgage with bad credit are: banks, and mortgage companies.

What company should you go through for homeowners insurance with bad credit?

That really depends on what state your in and what companies in your state will offer a non-credit scored Home Insurance Policy. You may have to find a Surplus Lines Insurer in your state to find coverage as most standard Home Insurers will require an acceptable credit score to qualify for their programs. I know "Van Wagoner Insurance Companies" a surplus lines insurer offers Non-Credit Scored home insurance Policies in Texas, Oklahoma and Arkansas and possibly some other States.

How can I find a bad credit home loan in Texas?

Lending Tree offers home loans in your area for those with bad credit.

Can you get a home loan with bad credit but a good job?

It depends on how bad the credit and how good the job.

How would I be able to obtain a home loan if my credit is bad?

You may be able to still buy a home. Why is your credit bad? Do you have a down payment?

What company should you go through for homeowner's insurance with bad credit in Wisconsin?

You will likely wan to find a non credit scoring company such as those offering surplus lines insurance in your state. Most of them are "A" rated carriers and offer excellent coverage products for your home