AARP Foremost Foremost Insurance Canceled and will not reinstate GRAND RAPIDS, MI MI

I have been a member of AARP Foremost insurance for 10 years. On October 2, 2023, I fell and broke my sholder and went into  the hospital and rehap for about 33 days. While I was in the hospitel my premiun on two polices were ddue. I made a online payment for poth policies which was accepted.

When I got bsck home from the hospital and rehab I saw a letter from Foremost Insurance which included a check and said the polcy had canceled. I than called Foremost and talked to an agent. He said he could reinstate one of the polices but not the other. Both policies had cancled on the same date yet he said he could only rwrite one of the. He said the one policy that was for a rental home although I own that home he could wriet me a new policy. But the other home I had lived in I could not. He said underwriting rulles said that if a owner has a policy that got cancled for more than 15 days they can't reinstste it. 

But that home is not my main resident now since I'm renting it out. So that doesn't make sence,