Swyfft review: Homeowners insurance

Approximately two years ago (7/12/2021) I used an insurance broker (Great Florida/Aspen Insurance, LLC) to shop available homeowners insurance providers in Florida and they referred me to Swyfft Insurance who is also an insurance broker. Swyfft wrote my policy with a company called Clear Blue Specialty Insurance and on 7/13/2021 my HOI policy was written for an annual premium of $1592.00. The next year the premium was increased to $2220.65 which I accepted, and the premium was paid. And as of 7/13/2023 Swyfft changed my HOI provider to Topa Insurance Company and increased my premium to $3506.90/yr. I tried to cancel my policy in August of 2023 with Swyfft/Topa and was told that they would be keeping 50% of my premium for canceling during hurricane season. I did cancel the policy because the premium was unreasonably high for the extremely limited coverage. Swyfft Insurance LLC did keep $1647.00 of my paid premium, and it will not be refunded. No offer was made to extend my coverage for 5-6 months since they were keeping half of my premium anyway, but I suppose that’s how some companies do business? I question the legality of such a deceitful practice and would like to understand how Swyfft is getting away with what appears to be common theft? As a Floridian I pay some of the highest insurance rates in the country and to have Swyfft Insurance LLC steal half of my premium for canceling an overpriced, limited coverage policy is just short of criminal like behavior! Read your policy closely and be aware that there are companies like Swyfft that will take advantage of every opportunity available. Here is the information concerning cancellation of the Swyfft Insurance policy. Titled Minimum Earned Premium Endorsement:

b. If the policy is canceled at the request of the (first) Named Insured:

i. If the policy has been in effect any time during the period of June 1 to November 30, the premium charged shall be subject to a Minimum Earned Premium of 50% of the gross annual premium.