We have relatives that owned and ran an AirBNB in Florida - outside of the Everglades.
They told us their new insurance rates priced them out of the state - they ended up selling the business and moving to upstate Pennsylvania. They were extremely angry about the rise in price, said it was exponential to the point where they could not maintain their business.
Florida will quickly cease to be a destination with recent increases in cost of living that seem to have no ceiling. Even if HO Ins premiums were cut by 25% it would still be the biggest expense with home ownership.