I bought a house. In paid for a year's Homeowners insurance. The Insurance company decided not to insure me because the purchas price of the house was less than half of its replacement cost. It's called a Flat Cancellation and treats the insurance as if it never happened. OK, so refund my premium.
Nope, I had to sue them for it. Judge awarded me the premiums poaid plus the costs ofthe suit. Now Auto-Owners isn't paying that either.
Do yourselkf a favor - don't even APP with Auto-Owners - they are a bunch of ripoff artists, and you WILL get screwed.