Not sinkhole folks. The sinkhole issues are generally north of Tampa, not south, and the lack of insurance alternatives goes back past the current sinkhole insurance problems.
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When we purchased in 2003 the Allstate agent said Citizens was the only insurer they had for us to insure with. We are just within 1/2 mile of beach at a relatively high elevation. Last year Citizens was trying to get rid of customers to Southern Oaks Insurance ? (another associated w/state I presume..?). They transferred a lot of policies to this smaller insurance company. We are pretty far up a dune off of Allen Loop and are not in flood zone and are well under 1 MM.
I have since found some small companies that will insure us.
I recently switched from Allstate after they jacked my rates up and did not have any trouble getting quotes. I went with the lowest offer from most reputable Florida based insurance company. They matched my rate from Allstate before the rate hike. I think you just need to find a good agent.