Talk to the friendly folks at Villages Insurance. They will advise you on hurricane coverage, flood, sink hole, etc. and will provide you with multiple quotes from different insurers for you to consider. I've used them to get my home, auto and golf cart policies.
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Netherlands, California, Quebec, California, Texas, Turkey, Minnesota, Panama Canal, California, Illinois, Turkey, Maryland, Germany, Florida, New Mexico, The Village of Amelia and now The Village of Hacienda East. 
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