another interesting "quirk" here in my state...it is rare that a carrier would want the home AND auto/boat. Most auto/boat carriers want nothing to do with homeowner policy. The home carriers are undercapitalized and therefore can't take boat/auto in many cases... so you pretty much get screwed out of the "multipolicy discount" some offer.

There was a "race to the bottom" in auto coverage a short time ago, and plenty of SR-22 coverages out there which is why you should really make sure you've got good UM/UIM coverage. FL only requires $10,000/$20,000 liaiblity, which would just about cover a damaged bumper on many cars here.