The answer to this is “it depends”. A carrier can decide to discontinue an individual insurance policy if there has been a meaningful change in the risk profile for the underlying property for example if the property has been damaged a claim was filed, maintenance hasn’t been performed properly etc. So in a case like this the carrier decision to discontinue coverage is indeed affected from something the insured could have control over (like in the case of maintenance) but not in all cases (e.g. like in the case of a weather driven damage to the building which led to a claim. However, it could be that you as an insured haven’t done “anything wrong” or anything that have directly affected the carrier’s decision. Carriers in the multi-family property/HOA insurance market do make broad and categorical changes to their “underwriting appetite” and can decide to pull out of a whole state, a county or a certain class of buildings as their strategy changes.