<prompt> Human: I received a letter from my mortgage company that my insurance company is not renewing our policy. I later got a letter from the insurance company stating the same thing. My wife and I were totally shocked. Weve been homeowners since 1997 and never had a claim. We moved to MA, and had to switch providers when we bought a house State Farm didnt offer new policies in MA. We went with MetLife since the auto insurance industry in MA seems a bit wonky and they could provide both policies.Since we bought the house two years ago we had two claims - one theft from painters and one pipe burst. These are the only claims weve had in over 20 years of homeownership. The total amount of damages was less than 1 of the home value.Now were shopping around and are being told things like MA has an emergency insurance fund for uninsurables and that we may be blacklisted for too many claims.Whats the deal? What are the options other than paying many multiples of our HO premiums? How does this even happen?  <response>: These are the only claims weve had in over 20 years of homeownership.That doesnt matter when you had 1. 2 claims in the last 2 years on 2. a completely different residence 3. insured by a different company.This is pretty standard underwriting procedure for a lot of companiesstates. When you apply for other insurance they will see the history of claims and either underwrite the policy likely at a higher rate or deny you flat out because they have the same underwriting rules as your currentformer carrier. 