Can an insurance company cancell your cottage insurance without reason?

No. Why would an insurance company cancel your policy without any reason? Depending on the state that you live in and the regulations in your state will determine how and under what circumstances a company would cancel your insurance policy. Normally they have to give you a certain amount of notice before cancelling your policy. For instance, if you fail to pay your premium the notice would be 10 days from the date they mail you the notice. If you have excessive claims or fail to maintain the property, they would have to non-renew the policy meaning they could not cancel it until the next renewal date and must give you 60 days notice for the non-renewal. Dates and reason vary based on the State you live in and the regulations.