HERNANDO – As hurricanes have ravaged Florida, home insurance costs have surged, putting a strain on waterfront residents. Deanna Overkamp, 63, who moved to Hernando Beach in the early 2000s, said her homeowners insurance bill had doubled compared to last year, causing her to have to shop around for a new policy. “A lot of people out here really got hit with homeowners insurance, it like doubled,” she said. “So, from $2500, it went to like $5000.”