Look at your prior policies to see if there is an exclusion to cover the sub prime problem. There probably is nothing specific because it did not become a huge problem until the past year or two. Look also for some very bland catch all exclusion from which they can argue a denial of claim.

If there is nothing in the prior policies the insurance carrier may be trying to modify them through the later policy.

If you do not renew your insurance policy you may have a lapse in coverage that would justify their denial of a later claim. You might be able to get around the lapse by purchasing tail coverage if you elect not to renew. I do not know if they would make tail coverage available to you if you continue to abstract after buying it. However, this may present additional questions if you do subsequently renew after buying tail coverage.

In the time you have left before your policy lapses you can try to locate an insurer that may not require the sub prime exclusion, but it may be tough if it is becoming an industry standard. A call to your state's Insurance Commissioner might be of some assistance to get the state's perspective on this practice.

Surprise, surprise...the insurance industry comes out on top again, and the premiums are still due.