Can an insurance company raise your deductible on a home policy?

Answer 1

During the first 60 days of your policy term, yes they can change the offering terms if they perceive a change in risk hazards. Once the 60 days has passed, they can only propose changes at renewal time for your policy.

You are not required to accept the change in terms, but bear in mind that the company also is not required to renew the policy if you do not agree to the new terms.