Insurance policy renewed at discretion of policyholder and insurer can be modified during the course of the policy with sufficient notice; continued premiums serve as considerations for any changes. Boilerplate letters instructing policyholder to review the terms of the policy prior to renewal constitute sufficient notice.
No prejudice from improperly sustained objection to testimony, as the objection was at sidebar, the jury was not informed, and there was no proffer as to what might have been revealed in that line of testimony.
http://media.ca8.uscourts.gov/opndir/18/09/172410P.pdf
Since 2011. An occasional commonplacing of the U.S. Circuit Courts of Appeal.
Neither an authoritative statement of the law nor legal advice. Quick work.