The best answer is for you to get the nonresident licenses. They generally are not too difficult to obtain and they give you greater availability to write accounts whenever you might need it. However, the rules do vary by state and there is some flexibility depending on what states we are talking ab...

ICAT can write fire including wind on one policy. You don't need to purchase the wind on a separate policy. Basic product info is here: http://welcome.icat.com/icat/products/com_multi.action

Feel free to send me a note if you're interested and I can forward it to the right person.

Thanks,
Matt