Where Can I Get Homeowners Insurance With Bad Credit?

1. 

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   Kevin Haney

   A.S.K. Benefit Solutions, New Jersey

   You should contact a local property and casualty insurance agent in your local area. Every company has different underwriting criteria. Many do now consider credit scores as part of the underwriting process, and certain carries do not. A licensed, independent agent familiar with your local market would know which carriers might approve your policy.

   Answered on August 29, 2014

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2. 

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Although credit is amopng the underwriting tools that a company uses to evaluate a homeowners risk, there are others. Prior loss history, proximity to fire services, certain breeds of pets, amount of dwelling coverage required and alarm systems may also come into play in that evaluation. I have not seen a case where credit alone was a reason for acompany to deny coverage. I have seen many cases where one's credit score did have an impact on the amount of premium charged, however.

   Answered on March 2, 2015

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