DEAR HARRY: I have not filed a claim with my insurance company for more than eight years. Three years ago, I changed companies hoping for a discount because it now had both my car and my home insurance. Yesterday, we got a bill for our homeowner's policy that was $400 more than last year. We live in a working-class neighborhood with all rowhouses (not "townhouses"). We have always paid our premiums on time, and we have a very good credit score. Do they have the right to do this?