Florida will quickly cease to be a destination with recent increases in cost of living that seem to have no ceiling. Even if HO Ins premiums were cut by 25% it would still be the biggest expense with home ownership.
Yes, I forgot to mention my relatives complaining bitterly about property taxes that had sky rocketed as well - between that and the massive increase in insurance they could not maintain their business in Florida any longer - where they’d had it at least 30 years.