I am talking with a couple that I think is working with an agency that
requires a home visit. There is nothing wrong with my home, but I don't
think its necessary.

Am I the only
one that feels like this? Has anyone else had a home study? I
feel like if I refuse they are going to think I am hiding something and
thats not the case, I just don't think it's necessary at all.

I have never heard of this.... I was with 4 agencys at one time and none of them required a home visit of any kind.

Best of luck to you