Bottom line is that Florida is not a political haven for Insurance companies as the regulation which Includes all that Citizens Insurance  is and does is a nightmare to deal with. Mike Stone President of RLI spoke at the recent FAIA convention in Orlando to thousands and this was and is the bottom line. To much control and not enough ability to charge what they want. Good pricing will get the business and competition will keep things in check. Now  for a reality Check, With all of the Fraud in Florida and the high risk of Hurricane catastrohies, that will not always work either. This is why Florida is a nightmare for Insurance companies and pricing of Home Insurance which affects the Real estate markets in Fort laderdale and all of Florida is never going to be easy for decades to come. Please read the fullarticle below and remember to call L & S  at 1-888-244-7400 for all of your quotes on Home, Auto, Flood, Business & Commercial and Life Insurance quotes as well.