I agree with HardingAssocVA - you can review insurance company's for Florida at http://www.floir.com/ to determine if your paying to much. You do have options to reduce your hurricane portion of your coverage. Start by requesting a wind mitigation inspection to see if you qualify for any discounts. You can further reduce your cost by making the necessary improvements to reduce your risk. Shop around the list on the Florida web site. All insurance companys doing business in the state must register. Google recent newspaper articles for the best insurance company's. You will be surprised by how much you can save by shopping around and researching your homes mitigation credits.
Hurricane Preparedness Expert