Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 25, 2019

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Insurance Question from Woonsocket, RI

Asked on 05/25/2019

Am I mandated by law to insure my home for rebuild cost? Senior disabled couple struggling to stay in our own home and my insurance company just doubled my yearly premium by insuring my home for rebuild cost instead of the amount I selected when buying my policy from them. They did this without asking and just added it on to double the cost for us. This increase will force us to sell our home as we just about make ends meet with our current payments on one very small disability income. This seems so unlawful and cruel and they said I had no choice but accept the new premium, which is is set at coverage that is 3 times the amount owed to band for mortgage. God forbid if the house was destroyed, we DO NOT WANT to rebuild and that should be our choice, not the insurance company's. I am fuming over this ripoff!

Answer given on May 28, 2019

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