It is not Florida law that your husband's name be on the homeowner's insurance. It is Florida Homestead law that your husband, by virtue of your marriage, has an interest in the property. Unless you had a prenuptial agreement, once you married, your husband began an ownership interest in the home. You cannot sell the house without his signature, and I am surprised you were able to refinance without his signature on the closing papers. It does not matter that he is not on the deed to the home.
One of the main misconceptions regarding property in Florida is that if you are married and you keep the title to the home in "your name only" it means it is not marital property. That is not true. It may be considered pre-marital in the event of divorce, although highly unlikely, but it is not in the eyes of the "homestead law".
If you die married in Florida, own a home you declare to be your homestead principal residence, you cannot devise your home in a Will away from your Spouse and your children. If you were to die without a Will and no children your husband would get the house. If you were to die without a Will and children, who are not the children of your surviving spouse, your Spouse is entitled to a Life Estate and the remainder goes to your children.
So if you sell the house, your Husband would have to sign at closing, and he would be entitled to one-half the equity from the time he began living in the home.