They actually owe you premiums back to the date of you selling your home. I would start by calling and asking to the manager of customer service and explaining the situation. They can not insure a home you do not own! Tell them to fix the problem, refund your money and fix your credit report as it pertains to insurance carriers (I forget what it is called) or you will call the Better Business Bureau, Attorney Generals office and the State Insurance Commissioner. If you are dealing with an agent or agency, the problem could lie right there. Contact the insurance company directly!