I brought my insurance companys cancellation letter today to the State Commissioners Office. I told them I wanted to file a complaint against Farm Bereau Insurance Co. for cancelling my Home Owners insurance. I met with a representative and sat down with him. He told me the underwriter of the insurance company makes the decisions and they can base their cancellation on whatever their guidlines are. They said they could not force the Insurance company to cover me. I asked him what the guidlines are and he said its not published but some dog breeds are not allowed. It really depends on each situation that constitutes a "risk". In my case having geckos and some small snakes is considered a risk.

In the mean time I have been advised not to lie about being cancelled by my previous insurance company when shopping for a new one. That this will stick with me for the rest of my life and that the snakes and/or reptiles will probably have to go if another Insurance company is to accept me.

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