California E&S Insurance

Can changing deductables/coverage of homeowners policy upset the company enough to non-renew? We live in California and are concerned abot losing our homeoweners policy as more and more companies are leavin the state. We aren't exactlty in a high wildfire risk area or anything, but its not like we are in an urban area either. The amount we've had to pay for insurance has risen greatly and I'm considering raising our deductables and getting rid of some of our policy riders/options to help reduce the cost. I'm just a little paranoid about making changes in case for some reason the insurnance company would take that as a sign to non-renew us next year. I don't know why it would affect their decision (we'd basically be paying slightly less money for slightly less coverage), but I just wanted to get some input in case I'm wrong. Any thoughts?

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  "score": 0,
  "title": "Can changing deductables/coverage of homeowners policy upset the company enough to non-renew?",
  "subreddit": "Insurance",
  "num_comments": 4,
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