I suggest to try a few different agents and ask pointed questions re. how you can save money on your insurance policy. Hurricane shutters or high impact windows/doors could save money, while non-hurricane rated skylight could increase your policy...Or, if it is a single family house - ask the sellers to provide the elevation certificate - or get one done on the cheap when buying a property (while the surveyors do the survey you can also do the elevation cert cheaper).
I'd recommend: Yami Marrero DFI Insurance 305-665-1903 email firstname.lastname@example.org or
Florida Coast Insurance 954-252-2727 Shenny@floridacoastinsurance.com
Best of luck,
Beachfront Realty, Inc.