Hi Julia,
We had to do the insurance dance a couple of months ago for our cabin in BTV, and AAA was able to hook us up with the FAIR plan, and a homeowners policy to fill in the gaps. They were even able to give us an exception to their usual requirement that you have a primary homeowners policy with them (we would, except our primary residence is a commercial building, which they don’t insure). I found them helpful and easy to work with.
You could also try Tom Pratt @ Delos Insurance (209) 206-3390 – he gave us a quote that was about the same as AAA, and was also helpful.
Rgds,
Adam