Firemans Fund isn't going to touch this, IMO.

You CAN get property coverage. It's NOT going to be a standard homeowners. My guess is, the CHEAPEST way to do this would be through your state FAIR plan.

If you don't want the state fair plan policy, or if they've already turned you down, you can probably STILL get coverage, but it's going to be mongo, mongo expensive - like in the thousands of dollars, with alarm requirements, and lots of exclusions.

Bottom line - you're going to have to use a local agent anyway, so start shopping for a new local, independent agent.