Insurance AGENCIES normally have several different insurance CARRIERS to choose from. The various carriers limit their exposure to certain perils in some states to they will stay financially viable.
That means they have quotas of how many policies (or percentage of their policies) they will underwrite in various zip codes. So - if someone says, for instance, get Blank Insurance Company because they are a reputable company with a good claims handling history and have the best sinkhole rider, you still may not be able to get it at a particular time depending on their current exposure.
Please don't think that because you have your insurance thru The Villages Agency or AAA Insurance Agency that you automatically have the same policy (Carrier) as someone else. You might be able to get it, might not. And if you go with your less-preferred carrier at the moment, check back in a few weeks or months and see if you can switch. If you have a mortgage it is kind of a pain (a couple of phone calls and a period of time waiting for your refund of unused premium), but is worth it to get coverage you are comfortable with.
Insurance is state-regulated - you don't have to wait until renewal - premiums are pro-rated so you won't lose money if you cancel.
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