My State FLA. After over 20 years my ins co will not renew my insurance, under this critera: can't be closer than 1 1/2 miles of water( Gulf ), house cannot be built before the year 2000, the house cannot be worth more than $200,000. My independent ins agent said they were negotiating with them now. Is there a law that they have to give money up to another Co to help differ any increase in my policy with another Co?. I'm assumming i'll loose any discount's, like multi policys, longevity without a claim, plus my 4 cars are with them. Is there laws that help protect me?. Can they just take my money and Run?.