For many years I used L. L. Johns agency....the agent is John Gostinger. I had previously used AVEMCO. L. L. Johns writes insurance for USAIG as I recall.

I had no reason to re up this year so do not know how the new rule would affect their policy

It might be worth a call to John Gostinger to check it out. Their web site is here

http://lljohns.com/

Phone is 1-800-662-4401

Jim