I too Have been duped by Geico. They were kind enough to offer me home owners insurance in 1999 when I obtained a mortgage, since I also had my cars insured with them. Then in Sept. 2003 due to my premium being late, I recieved my premium check and a cancellation letter! No warning, no notice, when I called to complain I was told it is legal to cancel a policy at renewal time without notice if payment is late. Never mind the fact that I never had a claim and they took my money all those years. I am still looking for an insurance carrier, you see no one wants to insure someone without insurance. I am currently looking for another company to take all my insurance needs to.
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