It is illegal to harvest live rock in Florida.
If you want to save some money, you could collect some "dead" coral rock from an area near your house, -thoroughly- clean and decontaminate it, and seed it by mixing it up with some real LR. Check out sealifeinc.net in Tavernier- I got 50# from them for a shipping charge of about $22 to my landlocked location in GA. I did the "dead rock" thing a long time ago when I lived in the Sunshine State, and had a minimal cash flow, but can't really recommend it. You never know if some yahoo drained his oil pan in the same location a couple years back... As the other guys said, you also don't know what you're getting from an inshore source. There's a lot of cool stuff on our LR, and I don't regret dropping the cash on it.