This is a little out there. I just learned from a friend that she was able to decrease her homeowners premium my eliminating “other structures” coverage because she doesn’t have any. This got me thinking about my previous home (sold in 2021) that also had no “other structures.” No detached garage, outbuildings, not even a fence. I remain with the same insurer for my new home in the same state where I definitely have other structures. Do I have any recourse to ask for a refund on that previous policy? Maybe insurance agents could comment.