*Loan,banking and credit>>>homeowner insurance

Can 1st timer get Homeowners Insurance??

I recently got approved for a 300 thousand dollor loan to buy my first home. After making a few offers followed by a counter offer, I was able to agree on a price that was fair. I just called my Insurance company that my friends dad owns, and some girl that that have working there said that the company they use would not allow me to get home insurance. I don't understand why, I have 2 cars insured by them, without any driving problems! IS she right? Since I am new and never owned a house before, can they just deny me like that? Should I go with another insurance provider or is there "Special" Insurance I need to get?? I don't really understand this, and I'm going to assume she's wrong. Kids can get their own insurance on a car when they never had insurance in their life, they just pay more. Why is it that I am having problems? I want to use this company and no one else. Can anyone help me, I need exact details on what to do!

Thanks
-Andrew in MA

call and actually talk to your agent. that doesn't sound right to me that girl probably doesn't know what she is talking about. if not go to a different agent and take your cars there too because that is bs. Source(s): 17 weeks and 2 days pregnant

That's strange. have they inspected the new house yet? Will htey not insure it due to an old roof or something?? THAt would be the only reasonable excuse for not taking you as a client.
Just bought a house and this was a reason we were turned down by one company.
You can buy homeowner's insurance from any property and casualty company. You said, "...I want to use this company and no one else..."

I'm not sure I understand why that is, especially after they just made such a bad impression on you - but if you must, ask to speak to an agent.
Did you ask why they would not insure you? I wouldn't think that just because you are a first time home buyer would be an issue. It could be that the home is in a high risk area such as risk of hurricanes or flooding. I would call them back and ask to speak to someone of authority to get to the bottom of this. There are plenty of insurance companies out there. Keep shopping and don't give up!.
The underwriting criteria used for insurance varies, and does include credit score. The reasons they won't write insurance on a home also can vary. Often companies don't want to writer in various areas. I have never heard any problems with first time homebuyers.

Call around and get quotes from several different companies. Make a package with your autos, it will get you a better rate. If your current agent cannot handle your business, move on.