<prompt> Human: 29, MissouriIve been buying homes for hundreds of dollars and renovating them myself since I was very young. You can do the math if you care. The first property that I acquired has a long-term renter but Ive just received a letter claiming:American Family has discontinued offering Dwelling Fire policies. Please contact your agent for information regarding order possible coverage options.Maybe Im getting hyperemotional here, but after giving them tens of thousands of dollars, are they legally allowed to not renewcancel my coverage like this. A I am not making a claimB I have never made a claimC Ive never missed a premium paymentWhat rights do I have? Whats the point of paying premiums if an insurance company can just decide not to cover your property? I honestly dont see how this is legal.Assistant: They dont owe you anything. No business is required to offer you serviceHuman: Im pretty sure the service Im paying for is a little different than, say, paying someone to paint my house. Im paying them for protection. Their obligation is to protect my assets. If they no longer wish continue protecting my assets then the money I already gave them seems fraudulent.  <response>: thats not how insurance works. if youd had a claim, you would have been covered. that is what you paid for. just because you didnt end up needing to file a claim doesnt make it fraudulent, the fact is you had coverage had you needed it. 