Yeah, We are near the Sunset Beach area but not on the coast a few miles away. Right now we have a great rate but I think that was the builder who gave us a first year rate from Progressive because NO one came close to the rate they gave us which was $1400.I think what happens is if there are no underwriters the state puts you into a pool and gives you coverage. I'll have to go back and check that out. I do remember that my ins lapsed for three weeks until the state stepped in and my mortgage company forced me to pay for insurance they provided after the lapse. It was a stinky situation even though it wan't my fault.
Even the builder rate was higher until I balked, then magically they knocked $400 off of it.
Hope I am not in sticker shock next year ... Thanks for the info.