Ngl, shopping for home insurance in Florida is an absolute nightmare right now.

Trying to close on a house here in Florida and the insurance quotes are literally making me sick. We have a 2021 roof and zero claims history, but standard companies keep blocking our zip code. The two offers I actually got are pure extortion for half the coverage. I am so done with this market.

My coworker said to stop wasting time with regular mass-market names if the house has a higher valuation. He told me the big retail brands just screw people over on storm claims anyway and said to find an independent broker for a proper high net worth insurance policy instead. He claims those private client programs actually cover heavy hurricane damage without all the stupid sub-limits and loopholes.

Idk... I have never used a private broker before. Always just got standard online quotes.

Is anyone actually happy with their setup? Did you guys go with a specialized private program or just bite the bullet with Citizens? Appreciate any advice.