I had SF for over 20 years for HI and two to three vehicles. I never put in a claim on any of the policies. After Katrina, they red lined my house because it was within "1000 feet of the water" on Long Island Sound and had near 100' of elevation. I switched the vehicles to Nationwide, but they wouldn't touch the HI either. A local LI outfit would do it for a little more $.

It seems their actuarial department couldn't distinguish between the Atlantic Ocean and the Sound.