Bad credit does not automatically prevent you from getting home insurance, but some providers may consider your credit history, particularly if you want to pay monthly. A poor credit record could affect the payment options available or the premium quoted, depending on the provider’s underwriting rules. Answer questions accurately, compare quotes from FCA-authorised insurers or brokers, and check whether monthly instalments involve a separate credit agreement. If you are unsure how a credit issue may affect your options, consider speaking to an FCA-authorised adviser or checking your credit report first.