Bad credit does not automatically prevent you from finding home insurance, although some providers may charge more or assess your circumstances differently. If you pay monthly, the insurer may carry out a credit check because this can involve borrowing, so compare the total annual cost rather than just the monthly payment. Check the excesses, exclusions and level of buildings or contents cover, as a very cheap policy may offer less protection. Be honest about your circumstances and compare quotes from FCA-authorised providers or a regulated broker.