Homesite Insurance Company of the Midwest Homesite Insurance Scam ? Boston, Massachusetts

I purchased a Homesite Homeowners Insurance Policy over the Internet thru Progressive Insurance Company which I have had Auto Insurance for several years, also possibly getting a discount for having both auto and home insurance.  I paid $178.00 down for the policy immediatly.

In, about a month, I received a Notice of Cancellation from the Homesite Insurance Company of the Midwest, 99 Bedford Street, Boston MA. 02111 telling me the reasons for the cancellation. I am not complaining about the reasons for the cancellation which was some peeling paint on my garage, no handrail on my front porch steps and some roof shingles were curling.

What I am complaining about is that they Refunded me only $114.00 of my payment of $178.00 and kept $64.00.  If they cancelled my Policy, what was the $64.00 for ?  I know they are going to say I was covered for the period of time that it was purchased to the cancellation time which was about a month. I paid in good faith and they accepted my money without saying they were going to inspect my property of which they should have done before accepting my payment. It would have saved me $64.00 for nothing.

I want to warn people not to purchase from Homesite Insurance over the internet.