If you’ve had the same insurance policy for several years you may have what’s commonly referred to as a grandfathered policy. Grandfathered policies are older policies, no longer offered to the general public.
These policies typically provide more coverage and have special features such as guaranteed renewability and lower deductibles. If you live in area that is now considered “high risk” (examples: coastal property or homes located more than 5 miles from the fire department) or the type of home is uninsurable (examples: mobile home, log home ect.) double check your policy before switching to another company. You may be giving up very valuable coverage without even knowing it.
