Ok I have a possible slip at Fishermans Village, a possible hauler, time frame is early May, two yards to choose from All American and Charlotte Harbor Marine. The hauler tells me to get my insurance before I go I currently use Boat USA. Is there a better choose for Florida?
Both boat yards are fine. They are different in pricing/rules. All American is more of an la carte menu. electric is extra, bottom washing etc. clean up if you leave bottom paint residue there is expensive, they run a neat clean yard. Haven't use CH lately, but when I did, the area where you could do your own work was priced on a daily basis, other areas were just storage or use their help AA is almost exclusively DIY, but they have a few insured contractors. CH has an excellent paint shop, AA discourages spray painting.
I have only had 2 claims in 60 years of boating. Both from hurricane Charlie. Our sailboat and my 15 whaler recieved minor damage. Boat US was prompt, and generous . They may well be the most expensive, but I wouldn't consider switching.
You are going to be horrifed at insurance rates in Florida, regardless of the company. Besides hurricanes, we have boat thieves, and a whole 3rd world culture centered in Miami and Key West that procures titles and doccumentation papers on non-existent boats ,so there is no work in claiming total loss. We also host all manner of fleeing con men who run to the Bahamas some with bank balances on their boats.