Safeco Insurance Metlife Insurance This company took money and did not insurance our property Nationwide

Safeco Insurance has been a nightmare to deal with for two years!  We paid them some $1200 to insure our property when we moved into it 2 years ago and we later found out that they insured our previous property for a whole yeat but not this one.  So we  had had a fire or flooding etc in this current property we would have had a massive mess on our hands.  We called them and said we need to terminate the contract with them and they said yes but they would not reimburse us/  Meanwhile we had to pay extra monies to the new insurance as it showed that we were not insured for a whole year on this property.  So now, they cost us extra money with the new property - needless to say our mortgage company was very displeased as we had no insurance on this property through no fault of our own.  The following year, they still took another $1200 or so from our account without us knowing.  We fought to get it back and we couldn't. We gave up and let it go. Though we paid for 2 home insurances at once. Today, we had a call from a lawyer saying that we owe them an extra $120 and thatif we did not pay it they will filed a judgement against which will be in the region of $700-800.  We are tired of fighting this company!  Very unprofessional, manipulative and down right thieves!