I've had Allstate ins. since we moved to Fl. 9 years ago. I was lucky to get rid of our auto policies with them & go with a much cheaper auto carrier. I don't dare try to find a cheaper homeowners policy as I don't think any exist. Even with no claims & our area does not get hit by hurricanes (knock on wood) our policy has increased 100%. They should allow all Fl insurance companies to include all policies in the country instead of just using Fl as an independent state with the premiums & losses being determined by what happens in Fl.
What????
The company I work for is still writing homeowners policies in the state of Florida (on a limited basis). Legislative law requires us to put $6000 in reserve for every homeowners policy we write in Florida. Do the math! If you pay a $1000 per year, it takes 6 years just to cover the reserve fund we must stash away on your home. Most people don't see the hidden cost of writing policies. Insurance is a highly regulated now. Any increase in premiums must be approved by the state regulatory commission and rate increase request must contain substantiated proof on the need for an increase.