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With the increase of house prices, there come mortgage insurance. However homeowners are being terminated/drop by insurance company when they are face with repair issues

With the increase of house prices, there come mortgage insurance. However homeowners are being terminated/drop by insurance company when they are face with repair issues in the home. Who covers the Homeowners and is there any law or does insurance company have the free rain on taking homeowners money but does not cover. What are your thoughts and please include site information.

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