Can an insurance company reduce coverage on a renewal policy when the policy is issued but the insured is not notified of the reduction in coverage?

"It is a long-standing general principle applicable to insurance policies that an insurance company is bound by a greater coverage in an earlier policy when a renewal policy is issued but the insured is not notified of the specific reduction in coverage. [Citations.]" (Fields v. Blue Shield of California (1985) 163 Cal.App.3d 570, 579, 209 Cal.Rptr. 781.) "[E]xceptions and limitations on coverage the insured could reasonably expect must be called to the subscriber's attention clearly and plainly before the exclusion will be interpreted to relieve the insurer of the liability for performance." (Ibid.)