Recommendations on homeowners/hazard insurance?

I have homeowners through a place in Florida named Occidental Fire and Casualty. Their rates aren't much cheaper then Citizens but if something happens you get your money a lot sooner. I was told, by my agent, that if another Katrina hit it would be a year before you would see any money from Citizens. I am still on look out for cheaper rates so Pancho if you could send the PM I appreciate the thought.