Dude the insurance problems in FL are insane, the rates keep going up, mine is up to 5k and it's not even great insurance.
Quoted from PinMonk:
Primarily has to do with the extreme weather risk increase (hurricane frequency, increasing strength) in Florida due to global warming. Not all insurance in the US is so outrageous, although even here in CA the fire risk in certain areas is bumping rates up (though not to FL levels).
FL's primary problem beyond the storms is the laws that were passed in FL that essentially force insurance companies to pay for complete coverage of replacing a roof for any damage sustained. After those laws were passed, it's been a huge burden on insurance companies because essentially any licensed roofer could put in a claim that an old roof was "damaged" in a storm, and they would get a new roof paid for. I know a bunch of folks that did exactly this, and even had multiple roofers over the years offer to do this for us when fixing a leak or some other roof issue. They basically get huge paydays from insurance companies, why bother fixing little thing when they can work out some easy fraud for a brand new roof. Roofers get business, clients get free roofs, everyone won....
... except it's just caused rates to continually raise and many insurance companies were buckling under the pressure and just abandoned the state. Large percentage of Floridians are stuck having to use the state run insurance which is bursting at the seams and it's prices are getting ridiculous. Our new house we bought a year ago, not a single company would cover us except one, and they wanted 8k for coverage. So yea, I was forced to stick to the government backed one.
Our property taxes are insane as well. The state is going to hell fast and our leaders here are wasting their time banning books, fighting Disney for having an opinion, and being mad at drag queens. But hey let's not do anything about sky rocketing property taxes, insurance, and housing costs