After a brutal public hearing last week, Florida Farm Bureau's request for a statewide average 28.4-percent rate increase for homeowner's insurance was denied Tuesday by state regulators. In Pinellas County, the average increase could have been as much as 66 percent. The request was denied "based on a thorough review of the information provided by Farm Bureau in its recent rate filing and the testimony it provided at the July 30 public hearing," said Deputy Insurance Commissioner Belinda Miller. Farm Bureau has 21 days to file for an administrative hearing. In the meantime, the company cannot implement the higher rates. Last year, Farm Bureau's request for a 26.8 percent increase was also denied by regulators. The Gainesville-based insurer covers about 100,000 Florida homeowners, including about 12,000 in the bay area.