If you have not already done this, check with a local independent agent who represents multiple insurance companies and see if they can find insurance. IF no one will insure check to see if the Florida JUA can provide coverage.
If you do not have a mortgage, do not need to buy insurance. In S. Florida where premiums are 4X higher many people have opted to go without homeowners insurance. In TV there is less risk for storms. Would not recommend going this route to save $1500- $2000 a year.
Good luck.
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