My home insurance canceled for nonpayment because bank froze my account at the same time I processed my payment and I did not know till it was to late and my payment was rejected. I took care of the bank problem and my account is unfrozen and the cancelation letter states that the cancelation takes effect June 24 at 12:01 Am. If I call them and explain what happened monday morning do you think they will reinstate the policy if I make the payment again and it clears my bank this time?

if you are in the process of buying a home they require that so can you find your own insurance or you have to take the one they offer for the first year? it seem too much for the premium for the year they want to charge me. any advice