In Florida, most insurers will require you get a 4 point inspection and the inspection covers roof, electrical, plumbing & AC. Based on the inspection, the insurance company will decide whether they'll sell you insurance.
Example, if the inspector deems your roof needs to be replaced, most companies won't insure you until you get roof fixed, replaced. ( they will let you know what needs to be done for you to "pass" inspection.)
Florida insurance is simply insurance based out of the state of Florida. If you live in Florida it would be best to purchase it there. If not, you may want to stay with an insurance company in your state. At the same time, if you are going on vacation to Florida, many travel agencies offer vacation insurance to reimburse you if your vacation is interrupted by hurricanes or other unusual weather.
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