Hi Beachgirl - just found and signed on with an insurance broker we discovered at a real estate open house in Seagrove recently. Have been with Security First for years & thought their rates were reasonable till we just discovered Term Brokers in Ft. Walton Beach. We're in South Walton, about 300 yds. from the beach and they offered us a great deal with Federated, & saved us $700/yr. over Security First. Way lower deductible, & included sink hole coverage, that we didn't have with SF. Contact Michael McDonald w/Term Brokers @ 850-864-2000. Hope this is helpful info for you.