Home Ins in my deceased parents name

My parents passed away a few years ago, after all legal stuff the home is now in my name which I live in. Premiums are autodrafted from my bank account.

Insurance companies are not writing many policies due to hurricanes and storms in my state so it’s difficult to find reasonable insurance on older homes where I live.
My agent advised to leave ins in my parents name because they won’t change name without canceling and rewriting a new policy (which they aren’t writing).
Anyway we had damage to home and filed claim and they don’t want to pay because the policy holders do not reside in the home.
Do I have any legal to stand on here? Home has been occupied and premiums paid. Any advice would be greatly appreciated