How To Get Homeowners Insurance With Bad Credit? 
Credit can be and usually is a factor used when a company developes premium for Homeowners Insurance products , but it is not the only factor . Prior losses for which you may have filed claims at previous residential properties , the condition of your current home , proximity to fire stations and hydrants or other water sources and other factors are also a consideration . Unfavoirable credit , in and of itself , would probably not keep you from obtaining coverage , though it may cause you to pay more . If you do have trouble , for whatever reason , then talk with your Insurance Professional . In Connecticut , and I suspect in most states , there are state programs that are specifically in existence to provide some coverage when one 's property does not meet the standard market underwriting rules . 