Whenever we buy a tank of gas for our car in NH, a portion of the taxes paid goes into a general fund devoted to cleaning up hazardous waste spills in the state.The process for accessing that fund would have been to first file a claim with the homeowner's insurance carrier and see if they would cover it.

Are there other insurance carriers people recommend for FL that I can get a quote from?

If they do not write with that carrier, you can check for list of agents on their website.

“My house was only on the market for two days.”A 24-year-old mail carrier, Contreras paid full list price for her new home.

All of their carriers are listed.

Find an stand alone Umbrella carrier that will cover you without Auto3.

When we had a tenant-caused kitchen fire, we filed the claim with our insurance carrier, and they subrogated to the tenant's policy. 

I even asked mail carriers if they knew who owned home .some knew cause they were local and some didn't.

@Sean S. umbrella's vary slightly by carrier, but the exclusions are somewhat universal across the industry. 

Our carrier covers ours for $10,000 max & its $25/yr.