I have had a mortgage with HSBC for 8 years and have had the same homeowners policy the entire time. This mortgage was a refinance and the homeowners was carried over from the previous mortgage. I have the policy with a local agency and the agent is a personal friend of mine. At least once a year HSBC sends me a notice that I do not have current coverage on my home and they tell me they are taking out coverage and charging me for it (usually about 4 xs what I pay on my own) It takes several faxes of my declaration page from both my husband... read full review »