Getting Insurance in Florida
I am planning on moving to Florida next month and have a question on homeowners insurance. Does Florida homeowners' liability does provide coverage for:
1. Inboard boats owned by the insured?
2. Partial rental of the residence?
3. Vehicles designed to aid the handicapped?
4. Golf carts while being used for golf?
My answer is: it depends. Read your policy carefully. In some states, certain types of coverage are legislated; however, all the aspects that you are asking about are certainly not. Also, for "special" items like vehicles for the handicapped and inboard boats, I would be looking to ensure I had enough coverage by obtaining special endorsements or naming these items on the policy somehow.