re: When does our state bribe to insurance companies kick in?

I have a rental building and the policy renewal was 2100 for 200k coverage(half the value). I get a notice a week later that the hurricane deductible increased to 3%. A month later I get a letter stating an increase in premium of 1800. So I’m paying 4k for 200k coverage. So I’m out of pocket 10k if a hurricane hits and does sons damages which I have to fight the insurance company for the claim. I said frick it today and canceled the policy.