In the state of Florida, is it legal for insurance companies to dump
homeowner insurance policyholders for no reason? Allstate dumped us
this year and we've never had a homeowners insurance claim and also
have never sustained damage from any storm.

Hi,

How was it cancelled?  Did you receive a Letter?  What does it say?

Thanks

http://www.sun-sentinel.com/news/opinion/sfl-14forum07nov07,0,5821339.story?coll=sfla-news-opinion

"And now, if major insurance companies such as State Farm Florida and
the state's insurer of last resort, Citizens, have their way, area
homeowners may very well see rate increases of nearly 80 percent.
Plus, thousands of Florida homeowners now face the possibility of
having their policies cancelled altogether, regardless of whether they
have ever filed a claim."

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You might want to call and find out what your options are.

http://www.fldfs.com/Consumers/Local_Offices/
Office of Insurance Regulation
200 East Gaines Street
Tallahassee, FL 32399-0326
(850) 413-3140

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Of course it's legal.  A business can't be forced to do business with
those it doesn't see as profitbale or it does see as too high-risk. 
As long as you were not dumped for in violation of your civil rights,
you have no legal recourse.

If a company does not violate the cancellation laws in your state,
they do not have to offer a renewal policy.  In catastrophe-prone
states like Florida, it is not uncommon for insurance companies to
"ration" their exposure.