FL Liveaboard (on the hook) insurance?

[O C Diver]

Just to recap on a couple of points:
Insurance companies see 40' to 45' trawlers under $100,000 as higher risk as they probably assume many owners won't spend the money to maintain them.

Insurance companies see risk from least to most as follows:
On the hard )out of the water)
Very protected marina
Very exposed marina
At a dock behind a private home. (No one watching it)
On a mooring
At anchor

Insurance companies grade areas based on historical risk. While there are certainly safe places to keep boats from SE FL through the Keys, moorings and and at anchor, make those areas significantly higher risk.

You've done a good job checking the wrong boxes. My guess is changing any one of those 3 boxes would probably make a meaningful difference in the eyes of the insurance companies. Unfortunately, changing any one of them probably eliminates the financial incentive for you.

Ted