Suddenly insurance companies seem to be falling out of the sky in Florida.

Another new company — it would be the 15th since lawmakers enacted reforms in 2022 and 2023 to quell litigation costs — has been permitted by the Florida Office of Insurance Regulation and will begin to sell homeowner insurance in the state if the company’s application for a Certificate of Authority is approved.

Vision Insurance Exchange, headquartered in Cape Coral, plans to begin operating in November. According to its website , the company will offer coverage to homeowners in every Florida county except Monroe, where the Florida Keys are located.

Officials of the company did not immediately respond to an email and text message seeking comment late Monday.

The new company will build its initial book of busin

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