Insurance; Prohibits insurers from cancelling & nonrenewing certain personal residential & commercial residential property insurance policies for specified period; provides requirements for averaged models if such models are used for insurance rates; revises property insurance policies issued by Citizens Property Insurance Corporation which are not subject to rate increase limitations; provides requirements for surplus for reciprocal insurers; requires that reciprocal certificates of authority be issued to certain entities; authorizes reciprocal insurers to borrow money for specified purposes; prohibits specified acquisitions of certain voting securities; provides that votes in contravention of specified provisions are not valid; provides that acquisitions contrary to specified provisions are void; authorizes office to order certain persons to cease acquisition & divest themselves of stocks & ownership interests; prohibits Florida state security & guaranty funds from covering performance of contractual obligations of exchanges & their members for certain provisions relating to reciprocal insurer surpluses & attorney bonds.