insurance with hard money loan on rehab

[Mahmoud Hass]

Hello BP,

I recently bought a fixer upper property and had my agent get me Farmers Landlord insurance. He reached out to me today saying that farmers went to the property and did an inspection, and says it’s “inhabitable” and they do not want to cover it.

What insurance company do you guys use for fixer uppers? Should I try someone else like Allstate or safeco? I need to have insurance on the property since I have a hard money loan. Can anyone send me the companies they use so I can have coverage?

Also, once the property is rehabbed I will rent it out, so at that point I would switch back to having landlord insurance through one of the main stream insurance companies.

Thanks!