Many in our area went to USA for help in Cailfornia—We could easily qualify for USAA—but we have a mobile home and as of this past week, USAA is no longer writing policies in California due to widlfire losses.
Yes, the situation in Florida with insurance sounds very similar to the problems in California, with losses from brush fires being so big in recent years.
Some insurers are limiting policies in California and or pulling out of California entirely.
It is a problem because you cannot force insurance companies to do business in a certain state.