I suggest contacting Steve Robinson at Heffernan Insurance at 800 234 6787 x 52541. He has been very helpful regarding our cabin. He will do what he calls “an in depth insurance review” at no charge. He says he works with a large network of carriers that offer coverage for different risk profiles including homes in hard to place areas. With all the spam problems I hate to post his email address, but if you want to private message me I can give it to you.
We had a similar jump in rates in the last couple of years. I don’t know if you’ll be able to find a cheaper option than your new AAA quote, but you can try Dewaine (contact info below). He was very helpful to us this year:
Dewaine Jackson, PhD
Black Bear Insurance Services
An Affiliate of Professional Ins Assoc Inc
90 Copper Cove Dr Suite E
Copperopolis CA 95228
office: 209-785-1800
fax: 209-785-1820