You also can't get a mortgage on a home without insurance.
I actaully called my mortgage company about getting 'forced insurance." That' the expensive insurance they put on you if you lose or drop coverage with an insurance company. They said they don't quote rates for that because it is only calculated when they get a notice your policy is dropped. But the service rep I talked to said that there have been many calls from people in FL investigating going with what the mortgage company would provide. Also, those that did go with it got cheaper insurnace than what private companies offer. The difference is that it doesn't cover contents.
"Show me just what Mohammed brought that was new, and there you will find things only evil and inhuman, such as his command to spread by the sword the faith he preached." - Manuel II Palelologus