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.