In Florida, you need to purchase hurricane insurance, even if your property is paid off.
If you are paying a mortgage your lender will oblige you to purchase insurance, and if you don't they will slap you with a costly insurance of their choice and add it to your mortgage.
So, in any case, it pays off to compare and choose a reliable agent.

Please bear in mind that hurricane insurance pricing varies according to the level of protection in your property.
Your lender will probably require a hurricane resistance inpection, and others, like the 4-point inspection.
Again, if you don't want the inspector the lender will force on you, you are free to choose, that is why we provide an inspectors list.

List of insurance agents