Insurance companies handle this today by either refusing polices on uninsured homes, or pricing those policies much higher. "Your previous insurer dropped you,

Insurance companies handle this today by either refusing polices on uninsured homes, or pricing those policies much higher. "Your previous insurer dropped you, there must have been a reason." And, yeah, when applying for a policy, the questionnaire should include "have you filed a claim for X, Y, Z in the last 2 years?" Auto insurance does this already.