We are worried because it is now hurricane season and we need to get new home owners insurance. Are there any reasonable offers or options out there? Did the legislation that was passed by the Florida Senate and Charlie Crist protect me from being dropped? Please help, we are worried. We also are about to re-finace to avoid a variable rate in August.

If you are mortgaging the house, sometimes there are some mortgage companies that will provide homeowners insurance for a period of time to allow you time to find another company to deal with.

Look in the phone book and call a few insurance offices and ask for quotes. A few years ago my insurance company sent a letter saying they were no longer going to insure houses in my state. I called around and heard quotes of $400 and up, so it pays to check with different companies. One agent told me to make sure the underwriter has at least an A rating.

Getting dropped by insurance companies is very common and completely legal. Your options are the same as the time when you first sought insurance ... shop around for a new provider. Do not rely on your mortgage holder to provide insurance, they will gladly do so but it will be the most expensive policy on earth. Who knows, you might find something more affordable than what you previously had.