Insuring Rental Condos in Florida

[Rachel N.]

I have three rental condos in Central Florida, one of which is insured with Universal Property & Casualty, through our insurance broker who insures our primary residence with another company. That condo is rented out and the tenant also has renter's insurance.

The other two are recent acquisitions, are owned through LLC's, and don't have insurance or tenants yet. My agent gave me quotes, again for the same company, Universal. One policy costs $430 and has a personal liability limit of $300,000, $50,000 for dwelling (we bought it for $75,000). My questions are:

Anyone have experience with this company (Universal), particularly in Florida?

I have a friend who works for State Farm and wondered whether it was worth asking them for a quote, or whether it would be more expensive since it's a bigger/more widely known company? 

With three rentals, if all policies are costing me in this $400 range, is that a decent price, or should there be some other company out there that will offer discounts for having multiple rentals covered by the same company?

I know Florida has its own challenges... just not sure what else I should be looking for as I start to scale up my rentals.