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.

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