This year I paid off the mortgage on my house. I put the house up for sale, and I decided that after the homeowners insurance would expire, I'd risk going without renewing it, since I never filed even one claim in 15 years. I didn't take the time to cancel the insurance, because I thought that the policy would automatically cancel if I didn't pay it. The house was sold four months after the expiration date of the homeowners insurance, but the insurance company insists that I must pay them for the four months (which comes to $314) because the policy automatically renewed. I refused to pay it, so they have turned me over to collection. Do I need to pay it? What happens if I ignore the collection notice?