California E&S Insurance

Hello, We had a house fire last January that was very significant. It didn't total the property, but the insurance paid out was over $200k overall. The fire was started by a faulty mini fridge. We had another claim about 3 years ago when some hail storms came through and ruined our roof. I believe we received around $10k for that claim to repair the roof. Our insurance company just dropped us now that the house fire claim has been completed. This is something we anticipated happening, however we didn't really know what would happen after that. It appears we're essentially uninsurable by the standard insurance market, so now we have to get a policy with in a non-traditional market. The real problem is the cheapest quote our independent agent got us was for $4,300+ a year. We were previously paying $900+ a year for insurance. The new price of insurance will price us out of our home, so we'll either have to sell soon or possibly face a foreclosure in our future. It's been suggested that we contact our state insurance commissioner about the situation, but would that do us any good? If so, what should I tell them? Thanks for listening and I appreciate any advice.

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