Guru needed: Insurance for Tahoe STR, wildfire area

[Craig Jones]

I know STR insurance comes up all the time, and I've read many threads on here. I've got a combo of factors that are making it very difficult to find a policy however.

3850 sqft / 7 BR / 5.5 BA on the Nevada side of Lake Tahoe.  A few different calculators agree on a roughly $1.8M replacement cost.

These often-mentioned companies won't write a policy due to wildfire risk:

Safely, Steadily, Foremost, Travelers, Proper  (Proper offered a liability-only policy, no dwelling coverage)

NREIG and American Modern would write a policy, but only up to $1M dwelling limit.

CBIZ offered a policy underwritten by a Berkshire Hathaway company with a $16K annual premium.  Ouch.  

Anyone have other options to suggest that I should be looking at?