You need to take the original loan documents, and the correspondence you've gotten from the mortgage company, to a lawyer in your area, who can give you reliable advice based on all of the facts of your case.  One place to find an attorney is our website, http://attorneypages.comIt's not at all unusual for a mortgage lender to require property insurance, and for the loan documents to give the lender the right to buy the insurance itself and bill you for it, if you don't have it.  One thing you can do right now is send the mortgage company proof of your insurance, starting with a photocopy of the page that shows the policy number and the coverage amounts, which should at least stop the charges for continued premiums.You've let this go for four years.  When you get nastygrams from your mortgage company, it's always best to get all the way to the bottom of the problem, as soon as you can.