I have another homeowners insurance question.

Suppose I took out 2 policies from 2 different companies simultaniously?

I hear a few horror stories about how homeowners insurance never makes one
"whole" again. But 2x the payout oughta solve that issue.

Home insurance companies are out there to make money.
They have a fair amount of math, experience, and science involved
in setting rates that pretty much guarantee that, in the long run,
in aggregate, you will pay them more than they pay you.

Even if you could successfully collect on two simultaneous policies,
all you're doing is doubling your investment in something with a negative
expected value.