Split home owner insurance Yea or Nay????

[Fernando Tello]

Hello BP community, looking on reading your opinion about the following:

Situation: Currently my wife and I finished a deep rehab on our latest duplex in Ft. Lauderdale (Changed roofs, added impact windows, plumbing, the whole 9 yards...). After we finished we thought, sure enough our insurance premium should go down since we added a ton of value and updated everything and turns out that it wasn´t the case if we wanted to have only one policy. (Citizens of course). 

Not conformed by the situation I contacted several Insurance brokers and one came back telling me that we can do a "split policy" one that covers the wind mitigation insurances, and another one that offers liability and all the other coverages... (By doing this I'll be saving a couple thousand dollars a year)

The big question: Is this recommended? Would I have any issues with the insurance company in case something happens? When I asked one of the insurance broker I've worked in the past, she told me that it wasn´t recommended because if insurance companies know that you have another policy, they wont cover you. So I don´t know if this a total lie or if she just wanted to sell their insurance policy. 

Thanks for your opinion and looking forward to read you!