My home owner's insurance company just called and told me that they won't renew my insurance unless I have my 20 year-old HVAC (AC/Heat) system replaced. There is nothing wrong with my HVAC system. I asked if they could just come and inspect it, but that's a no-go. I really don't want to switch to a different company because they are probably going to say the same thing. Do I have any other options (besides not having insurance) where I can keep my original HVAC system? If not, do you have recommendations for a good company to install a new one? Very frustrating...grrrrrr.....