Two insurance coverages?

[Lynzie Mackey]

I'm looking into insurance on my vacation rental, which we just started renting out and currently have a normal homeowner's policy on it since we were living in it prior.  We're in Fort Myers Beach, FL, and so Proper Insurance is quoting us $2,500 without wind and $8,000 with wind.  I was quoted $4,000 through Fednat, but noticing it doesn't have all the coverage that Proper does.  I'm thinking about writing a policy with Fednat that includes hurricane, and then the policy with Proper Insurance without wind.  Anyone done this before?  Thoughts?