Waterman,
I use State Farm, which I here is high in comparison to others, but I receive heavy discounts for multiple vehicles, home, and long time customer, so the price is very competitive with other companies. I understand All State has good prices and they will insure beach homes. I believe there are two major price breaks -- 1) 500 FT from the Mean water line of the Gulf, and 2) 1000FT from the Mean water line of the Gulf.