Florida Insurance companies are still dropping people in selected Zip codes for what is called Risk exposure. This means that the companies have taken on too much business in this zip code and they must reduce the exposure to satisfy the reinsurance contract they have in place. This is not personal, but a necessary function in Florida with the Insurance marketplace being what it is. We have companies having financial dificulties,other  companies like State Farm dropping 125K people and  still others going out of business or under financial watch.  The best scenario is to shop w/ an agent that represents many carriers and even to many agencies to get the best quote. Please remember that if 2 agents quote the same company and get differant rates, then something is not correct and you should talk to both of them and find out why. Please read the full story which is from The Citizens Insurance website below;