So I have had AmFam insurance through Costco (live in Wisconsin) for a couple of yrs which comes with with a few perks that I thought would be helpful; non-deductible coverage for 1k to fix a window and $100 for locksmith if you get locked out. Well, in the span of 6 months I ended up using both of these but didn't know they get filled as claims against my insurance. Fast forward 6 months, and I just a notice of Non-Renewal because I have had 3 claims in the last 3yrs (I've a claim bcuz of lost baggage 3yrs ago). I'm calling around and getting a lot of refusals and getting a bit scared that I won't find coverage for the house. I tried appealing the decision but that didn't work either Is there any way I can drop these AmFam claims? Or known companies that would still cover here?

First time posting on this sub, and this topic is difficult to search, so sorry in advance if it is redundant. Tried posting a similar thing on greenbuildingadvisor, but they're not much focused on insurance, though did get some good feedback. I just got the latest in a series of substantial increases in our homeowner's insurance premium from AmFam, this time a 42% raise. No claims, ever, and we don't live in a state with hurricanes/fires. This is not me whinging about yearly increases (though it's certainly not my favorite email this week). Our case is somewhat different in that if we were to have a total loss, we would build back much smaller than the current size of our home. So what we would actually need is around 50% less than calculated by AmFam. But AmFam won't give us a quote that represents that goal, they will just go based on their algorithmic calculation of building back as is, 100%. I know we need to maintain at least as much coverage as our outstanding mortgage balance, which right now is about 40% of AmFam's calculated 100% replacement value. So that is our floor, but we would probably be looking at 50% as the level we would want. It has been a challenge to find insurers willing to create policies that insure for less than their calculated as-is replacement cost. One option I found was American Modern, but I got distracted after talking to their agent 6 months ago, and I have read some terrible reviews for them. The recent AmFam increase caused me to be undistracted again. So my question: Does anyone have recommendations for processes or companies that will help achieve my goal of getting a policy with a 50% replacement cost? As an aside: if efficiency and sufficiency are sometimes goals with building (obviously not for everyone), it seems like it should be more straight forward to build back smaller in the case of a total loss, but the insurance part of that equation is really geared toward as big or bigger.

For context, this is in reference to a claim with American Family homeowners policy in AZ. Long story short, we had a claim for our shower 6 months ago. Contractor gave estimate for $8700 (ish) and I was paid $7700 (ish). Our responsibility is our $1000 deductible. Our contractor is auditing our account to make sure our final bill is correct and he’s saying that O&P was only included on a few line items and not all of the line items. He thinks we are owed more money because it wasn’t properly calculated. The adjuster is saying that O&P is only paid when 3 or more trades are used and we had more than 3, but somehow there is a disconnect and the adjuster is stonewalling him. I don’t know how to approach this situation. We’ve used this contractor before on a previous claim years prior so I trust him and his expertise about insurance claims and what’s “right” and not fraud. And if this is how he deals with other claims, how is it that American family is causing such a headache? I just don’t know what to do. He also thinks that if he was dealing with an experienced adjuster this wouldn’t even have been a discussion and it would have been handled correctly. Any insight would be great. Thank you.