Before you give up on State Farm, check out the alternatives. Many of the new companies writing in Florida only write in Florida and IMO are only a hurricane away from insolvency. They run out of money to pay claims and file Chapter 11, leaving policyholders with bupkis. Progressive non-renewed us and we moved to State Farm, understanding that the rates in subsequent years will likely be going up (has insurance ever gone down?). Check out the stability of the company before you pay the premium. Here is a source to use for research:
AM Best