Herv - Here are a couple of recent threads re: H.O. insurance:
Need homeowners insurance
Auto & homeowners insurance
FWIW, we got our homeowner's policy late last year with Security First Insurance. The agency we got it through is Brightway Insurance out of Jacksonville - owner/agent I dealt with was Rita Canty (904) 646-1850. They represent nearly all the companies that offer h.o. coverage in FL - most of the other agencies I checked with for coverage only represented a few.
We also got hurricane and sinkhole coverage as part of the policy. See this prior thread for some of the info I posted regarding the interesting process of getting sinkhole coverage via this particular company:
Sinkhole Insurance Changes
From what I understand from talking with Rita recently, more and more insurance companies are starting to require a 3rd party sinkhole inspection and certification prior to issuing a policy that covers it. A good topic to cover with any agent while you're discussing the parameters of getting a H.O. policy!
Bill
