Insurance coverage

Suggestions needed. We have major name ins Carrier on current home and all vehicles , 4 motorcycles and property. We have never file a claim in 15 plus years . Buying retirement dream acres with a home , not exactly livable at closing , everything has passed except she wants to write policy for vacant until we remodel . Loan officer said no way we won’t get conventional loan with insurance written that way … suggestions??? Do I try n find someone else ? Dream acres 5 wooded with hiuse easy to rehab only 125…we don’t want to lose because insurance , selling main home in spring