most insurance carriers are middle men who broker a connection to a construction policy carrier and add 10% on top for themselves. the key is to find an insurance broker that the construction policy company pays to derive business for them so you get your policy at cost and will help shop with multiple providers to get you the most competitive terms 

I want to keep my insurance carrier.

Have them shop it to their carriers.  

FL is now basically going socialist by offering state-sponsored tax-funded insurance to replace the private insurance carriers who don't want to loose money any more.Home prices are also interesting: when the first row of houses gets washed out by a storm surge, you have for sale signs pop up in the second.

Student housing is a definite no for many or perhaps most/all standard carriers but pricing doesn't necessarily have to be triple.  

The issue for you is you (or your wife) now may have two insurance carriers fighting over who will pick up coverage (assuming your intermediary LLC has appropriate insurance) or if it does not, your property insurance carrier may try to get out of coverage because of your slick deception tactic of using an alter ego which is the last thing you would want.Just  yesterday another BP forum poster wanted advice on a similar strategy when leasing a rental cottage on the same lot as their residence.

They will go after him and his tenant insurance carrier.

The insurance renewal premiums popped up and there are only a few carriers for Florida as it is.

In my opinion, this is much more effective than texting, which often feels like a constant game of cat and mouse with phone carriers.

Many investors start with a variety of insurance carriers to manage different properties.