Hey Rick, Welcome
Let me also welcome you to the Tampa Bay area. You are wise to ask questions before buying a boat here. As Benny mentioned draft is a huge consideration. Staying close to 4 foot would be my recomemdation. A C/B would be another popular choice. Slip costs are high. A Friend asked to tie up here after his rates went to 600 a month for a Catalina 30. By the way,his draft is 5'3" and he gets stuck often. It was advertised in the newspaper that a new marina was opening and the slips fees were $1000 plus a month. Apparently there are people who don't mind paying it. Sailing in July, August, September are, as you can imagine, HOT! Better get use to night sailing but the winds are light. Dodging the every afternoon thundershowers can a challenge too. Better to find other things to do during the summer. Maybe visit those northern friends that will surely visit you in the winter. Other than those three months the sailing is pretty good. The intercoastal is a ball with overnight marinas, restaurants and dock side bars playing buffett being easy to find. Insurance, as I understand it, can be difficult. I haven't had a problem but I own a Catalina 27 and the insurance company may consider that model boat a trailor sailor and able to be moved from the paths of storms. Crime is a problem but mostly in the poor areas. They are not many waterfront gettos that I know of. Its a good time to be a property buyer here. There is a lot of places on the market and the prices are somewhat soft. 6 years ago you could buy a modest but nice waterfront home with a pool and two slips for $299K. A steal! Prices nearly tripled over a few years time but have back off a bit. It will never be the $299 deals again but it's still a bargin right now. Lets not forget that Florida has no state income tax so that may help off set other expenses. Slip fees are high and insurance may be hard to find but to many of us it a dream come true. Welcome, Jack {weather today? Sunny, winds 10 to 15 knots, temps about 80.}