Hi Bev,
Insurance Companies will always find excuses to increase prices no matter what happens in this world, good or bad. While they may have some reservation regarding tenants’ not being able to pay their rent, they will always try to find a way to wiggle out of paying. (e.q travel insurance due to Covid).
Let’s hope the extra money you paid really does cover your missed rent and not what recently happened when Rentguard tried to mediate/negotiate between the Landlord and tenant “Missed rent, rentguard insurance and mediator”