<prompt> Human: Not really getting a response in rinsurance, so thought I would ask here.So I received this letter in the mail today, and Im a little at a loss at how to approach this. A little background: I live in Kentucky, and have had insurance through State Farm for a little over nine years. My only claim before this past year was a 700 auto comprehensive claim in 2007 from when a deer ran out in front of me.So State Farm sent me a letter that my Homeowners policy will not be renewed when it expires in March due to the overall claim activity. My claim activity has been as follows.In November of last year, my grandmother fell while at our house and hit her head. She ended up in the hospital for a few weeks and then was transferred to a rehab facility. The rehab facility told us that because she fell while at our house that we would have to file a claim on our homeowners before she could be admitted, regardless of whether or not we were liable. It turns out we have a 1,000 medical rider on our policy, so that was applied to her medical expenses. It was determined that she had a stroke which caused the fall, so we were not liable. At the time I was told that the claim would not affect our policy.In March of this year, I caused a grease fire while making bacon on the stovetop. I let the grease get too hot and forgot about it until the fire broke out. We managed to smother it but not before destroying the stovetop and microwave. It ended up costing 3,200 to renovate the kitchen. This was completely my fault and I could understand increasing the premium due to this claim.My assumption is that they are canceling the policy due to multiple claims in a 12 month period. If this is the case, I believe it is wrong because one of the claims wasnt even our fault, and I only filed it because the rehab facility told us we had to. I really dont want to go through the hassle of changing insurance companies, but if I do I am changing everything I can.I plan to call my agent in the morning to discuss my options, but does anyone have any advice on dealing with this sort of situation? Is there a chance they consider the first claim wasnt my fault and decide not to cancel the policy? Or am I better off just cutting ties completely and picking another company? Related to that, since I currently also have a term life policy that has about 16 years left on it, is there a way to just switch that to another company or am I going to have to completely re-apply? Thanks for any assistance you can provide.EDIT: Formatting  <response>: You are deemed as too risky. This is why theyre dropping you. You are filing lots of low-cost claims 700, 1000, 3200. If you file a lot of little claims like this, you increase on the risk scale. Then your rates go up or you get dropped. In general, it is better to save your claims for things that have the potential to really do serious financial damage burning your house down, injuring someone in a car accident, etc.. Have an emergency fund, and pay for smaller stuff out of pocket if you can afford it.Find another insurance company. There are thousands of them. State Farm does not have the best reputation anyway. 