How far are you from the water? Things changed after Katrina. State Farm cancelled me completely out of the blue. I did not make a a claim, no change in credit score, etc. Like I said, separate is normal here. I changed to Travellers Insurance a couple years ago. They told me very early in the quote process that they would not cover wind and hail in my area and in fact I had to provide them with that policy.
We are 6 miles as the crow flies from the beach but a few hundred yards from the East Bay. Cat 5 Hurricane Michael’s eye came straight across our house in 2018. Pretty much leveled the area.