You're in Florida, on the coast. Your problem isn't finding the BEST company, it's finding someone willing to WRITE you at ANY PRICE. Lots of luck. You'll probably end up in the state company, Citizens.

Contact a few local insurance agents to see if they can help you. Be prepared to spend A LOT. You'll probably need three policies – one homeowners, excludes wind & flood, one wind policy, and one flood policy.

Can't find a local agent? Try these guys: www.huttinsurance.com

But remember, for Florida homeowners, it's a seller's market. And most sellers (insurance companies) aren't interested in ANY Florida property. But you probably know that already.