As big insurers in Florida drop homeowners and seek rate increases, smaller domestic companies sell more policies, often at lower premiums, in part because they have less exposure. State Farm has asked for a 47.1% increase in homeowners' premiums, while the Florida Farm Bureau Insurance Companies have asked for a 28.4% increase. State Insurance Commissioner Kevin McCarty received a letter from Gov. Charlie Crist that said the governor is "concerned that such a significant rate increase could create a breaking point for the budgets of some of our fellow Floridians."

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