One challenge to finding a good hybrid policy is that not all insurance companies who offer them do so in every state, often for regulatory reasons. (purefinancial.com)
For a variety of regulatory reasons, there are a number of big name insurance carriers who want nothing to do with single line home policies in NC. (effectivecoverage.com)
There are also other regulatory reasons why it does not reflect the views of the state. (politics.stackexchange.com)