My neighbors have learned from one another. One is paying
$1,813 for Home owners insurance with Castle Key 2012-2013 and the other is paying $2,686 with Gulfstream insurance 2012-2013 next year would jump to $3,201. But some said certain mortgage companies do not recognized certain insurance companies and may forbid you from obtaining a policy The houses are the same size. Will this prevent my friend from looking for a better deal.
We all live in Florida

This NY Times article is not exactly on the question you asked but it is all I can find so far. But it discusses the power that a lender can have on the choice of insurer:
http://www.nytimes.com/2012/01/21/your-money/home-insurance/how-to-handle-force-placed-insurance-wealth-matters.html?pagewanted=all&_r=0

While the houses may be the same size the coverages may not. Its possible one has full replacement coverage, the other doesn't. There may be other differences in the levels of coverage as well.

But, if the lender put into the mortgage document that they have to approve the choice of insurance carrier, then they would be restricted.

Thnaks

And there is also factors with the persons credit score, feet from a fire hydrant can in some areas effect rates. Also how the person applies. But yes some companies rates are much cheaper, BUT>>> some companies claim records and customer service is a lot different. My home in Georgia, a large storm came though, my adjuster out in two days, and my home fixed before others even had adjusters come, and some had to fight in court to try and get paid.

Yes it is tough in Florida. Another problem is if the house is 50 years old.
Some companies want an 4 point inspection, others do not. Many seniors
Just do not have the funds.