There are companies that do not run credit score.
Yes, many insurance companies do require you qualify credit wise to be eligible for coverage.
A great company for homeowners with a bad credit rating is Bad Credit Home Equity. They have a website that is quite easy to find. Another solution to the problem would be to find small business lenders in the area.
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.
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.
Yes you can, however the insurance company would likely want a larger amount down. You may also find your rates to be higher then those with good credit and the insurance companies will to insure you to be less.
Not sure what you mean by "Bad Masonite siding"?.. If you mean they did a "bad job" installing the siding. No, Homeowners insurance does not cover poor quality or workmanship of the contractors we choose to hire.
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.
You can find a bad credit home loan at homecredit.com
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.
You can find lots of information on how to refinance when you have bad credit on consumer bad credit repair guide or you can talk to a personal financer. There are lots of information on different websites you just have to find the wight website for yourself and your bad credit.
Physical Injuries are best covered under your medical or health insurance plan. The coverage is usually much broader.