When a new Home Insurance  Carrier comes into existence in Florida they do it 2  ways. They can start with a book of business from Citizens Property Insurance as a take out. They can also just simply start writing business without Citizens and more carefully choose which clients they take and not what Citizens insurance has to offer. When you shop your Insurance out, these options and many other’s should be part of the decision making process. The information on the home and mitigation discounts can help you save money and since Hurricae season is not too far away, all of this will matter.Our clients at L & S Insurance  get all of this info and we quote all current companies that are available. We review  this scenario with all of  our clients to be sure they are as well  educated as they want to be. Please read this info below and be sure you are getting the best deal available which is not always the cheapest!