Hurricane season is knocking in Florida, any 2020 insurance advice anyone?

Does anyone have a good contact with ORM or another company to recommend for older sailboats? I have a 36′ 1975 Westerly currently insured with Geico with a liability only coverage that covers what the marina requires: 300k/1m + towing. I’ve been happy with them, but when checking on insurance for another boat I just bought, their agent mentioned they are no longer doing liability only policies, because when a hurricane sinks boats at the dock they have the expense of removing the vessel. So, I’m looking into options a few months ahead of time, and for my new purchase of a 43′ 1980 Bruce Roberts steel hull monosail with a 2007 75hp Yanmar, and a 10/2018 survey. I’ve taken care of it for the last 3 years, running the engine every month, checking bilge pumps and batteries, and securing her successfully through hurricanes. The owner could no longer afford to keep her and made me a good deal. She’s 20 tons, but rides the seas nice, and the hull and topdeck are so strong its comforting to know it would just bump out of the way what might put a leak in many fiberglass hulls. Top deck surface rust has always been a maintenance issue, but with the new UV protecting rubber paints you get a durable seal that keeps air and water away from the steel. I’m going to spruce up the interior, replace plumbing lines with PEX, add better batteries and a quiet 110v minisplit that will run on solar and use her while I have her for sale.

Hurricane prep advice if at the dock: My advice if at the dock is to back her up 8 to 10 ft from the main dock and double or triple tie her with strong anchor line using long scoping lines that safely ride her through the storm surge. Can’t tell you how many boats I’ve seen sunk because the lines were too tight, too close to the dock, or they only used their normal dock lines not realizing how weak they had gotten. Aside from the hurricane that sat on the Bahamas last year, most don’t last too long, but you need to be prepared for that time. Multiple bilges and battery banks help too. Power is usually off during the hurricane and often stays off for a while. Solar can help keep the batteries working, but make sure they are very secured. Ratchet some straps to strong framing is a good additional tie down. One note, Geico/US Boat covers hurricane haulout expenses, but I’ve never needed it.