Is anyone experiencing difficulty getting a homeowners policy written in the state of Florida for your rental? According to everyone I have spooken with they say in Florida policies have changed for 2012. They are written under only 3 conditions which cannot be combined 1) Owner occupied (6 months or more per year) 2) Rental property 3) Vacant. No policies can be written for rentals except through the state with Citizens and the covergae is exhorbitant!!! Over $2700 per year Thats more than my taxes!!! HELP!!!! I need advice FAST!!!