I'll make the case for no property insurance at all. (If you have no mortgage?) I was with State Farm for years and the rate roughly tripled after the 2004 hurricanes. Last year I said "No thanks." I refuse to pay 1-2% of FAIR market value to insure against (in my mind) very small risks. Ah, now to worry about the reported sinkholes in my subdivision (welcome to Hernando County).
I've got nothing against an honest day's work, provided that someone else does it.