I've dealt with similar situations. It is unlikely you will find a standard company to take you for the next 3 years with that house fire on your record. Also that hail claim counts against you big as well, most of my carriers won't take people with 2 losses in 5 years. In Ohio all of my carriers look back 5 years on home claims. Also most companies are losing money on homeowners at the moment so they typically aren't making exceptions either.
If your state has a fair plan try that. If the house is in good condition thats what I usually do. If not your stuck in the E&S market. High deductible and ACV coverage might help save some money. Not sure about the captives, in my area they are way tighter than any of my companies.