Thanks for the posts. We are from upstate NY and are experiencing the same. One Florida advantage is if you leave a car here and are gone more than 30 days you can reduce the coverage to "away" and save a lot for the period you are gone. Be sure to call before you use it again. Am considering reducing/eliminating our umbrella but are leery. Florida protects your home and retirement but non-retirement assets are vulnerable to a lawsuit.
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