For sure shop around. I don't know about Florida but I had Allstate for over 30 years in 4 different states, boy was I dumb. Bills went up and up. Finally they went up 15% and 20% in 2010 and 2011 I dumped them and got higher coverage at a 35% reduction in cost from Gieco. Same with car insurance. It's like when a company has you signed up they increase the premium every year as they think they have you hooked.
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My opinion is worth what it costs that and $3.75 will get you a cup of coffee 
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