In Minnesota, you are able to wire your own house with out being a licensed electrician, as long as you are the home owner. I wired mine this summer. Pulled dang near 5000ft of the stuff. Wired every box, pulled the main and connected it to the panel.
Another way to do it would be to cut about an 8″ section out of the wall, perpendicular with the floor, then string the new wire through there to the boxes. Do you need to replace them? This way will create a little mess but might be quicker. For the upstairs ceiling find a closet closest to the panel and cut a path out for that. do you need to update the panel?
Good Luck.
Another option….
Try another insurance company.