I have lived in Freeport, NY on the water, on a "finger canal" about 2 miles from the ocean, since 1992. I have Flood insurance coverage & homeowners insurance. My homeowners policy has been with AIG for the last 3 years and they have notified me that they will not renew my policy "due to proximity of coastal exposure as determined by our coastal model, you do not meet our underwriting eligibility requirements." Can they do this? I am not on the coast, but 2 miles from the coast & the ocean. I have 50 feet of bulkhead on my property. I had d "dog bite" claim that goes back to last year that they recently settled with claimant for $2200 & believe that is REAL reason they are cancelling my policy. My question is, can they legally cancel my policy.