Im paying alot for my insurance - Advise on lowering the cost

[Slaven Slugic]

Im paying over 10k a year on my flood, wind and regular home insurance. Any advice or suggestions to lower my insurance bill would be appreciated. 
For context, my property is in a flood zone so flood and wind insurance are extremely expensive. However, maybe there are better insurance brokers or options that I am not aware off. Thanks

[John Mocker]

Slaven,

The only way to evaluate if you are paying too much for the coverage is to shop it.  Look for the same limits or better and then compare costs.  

In FL, you may not have options on the Wind.  The Homeowners market is limited as well with the mass exit of companies from the State.  

On the Flood, there are options. You should check with both the National Flood Insurance program (NFIP) backed by FEMA and the Private Market Flood programs. There are a great many of the private programs so you may be able to do better there.