Belairdirect Home Insurance Reviews

Good Day,
I have rated Belairdirect 1star because there is no lower score on here.
My parents have been customer's of Belairdirect for 40 Years.
YES, 40 years, and the only claimes they have made were about 4.
My mother being the only person in the present house that is insured with Belairdirect is now 80 years of age.
My sister was looking to see why the yearly fees were getting more and more expensive. This year we started to investigate. In the mean time the insurance was due. By the time we got to see that the insurance was past-due, we sent them a check. Not too long after that we got a letter saying that they we were late in paying and cancelled the insurance, returning the check.
The yearly cost to insure a duplex with 4 claimes in 40 years was up to $3000.00! ! !
Can I simply say that you should ALL stay away from Belairdirect!
All they want is your money, and when you ask for a claim you will pay 5 times more after than.

Stay away....