I'd start getting quotes from other insurance companies. Discuss all your policies for the best package deal: home, car, truck, farm, etc.
Your insurance company does have the right to determine what they will and won't insure and at what price. That's capitalism. You have the right to take your busines to another company.
I would not ignore the ban because the insurance company can use that violation to get out of paying you any future damage claims, and they will still keep the money you paid them for their insurance.
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