If you were in the North East I'd say go with Erie Insurance, but I don't think that they write in Florida.
I worked with insurance companies in my last job and Erie was without a doubt one of the easiest to work with. They didn't put their "insured" through garbage and always paid out on their claims. They were always a pleasure to work with. I wish they would expand beyond the Northeast.
"We believe that all men are justified in defending themselves, their friends, and property, and the government, from the unlawful assaults and encroachments of all persons in times of exigency, where immediate appeal cannot be made to the laws, and relief afforded."
~Doctrine and Covenants 134:11