Hehe, no doubt Insurance companies have rocks for brains and a brick wall for ears. I heartily recommend that you talk to your HR person at work and see if you can be put in touch with your COMPANY's Insurance Rep. Sometimes they can swing things that the policy may be inflexible on. It helps if you also have life insurance with the same company and you live next to a fault line/flood zone/tornado alley/hurrican prone coastline/Tsunami impact area or any other equally treacherous region. And I think we can all lay claim to one thing or another. :-)

The point here is NOT to try to talk to the Insurance guys themselves, but rather to someone at your company who regularly deals with guys on the inside at said Insurance Co. I had one situation where this was invaluable advice given to me - but I worked for a 10,000+ employee company (and now a 50k+ one). YMMV