They require plans. They don't require that plan to include a haul out. That plan can be to sit right where it is with more lines or the canvas removed. We have plans but our plans make it clear we may or may not do any of the things shown as we have other priorities and might not even be home. So far the only plan we've executed is to have the boat well secured in it's slip. As to the fortune in insurance difference, often that's not true for all insurers, but if you like spending the summer north, that's fine. I just remind people when this comes up that there are more boats in FL than anywhere else in the country and most of them do not move during a hurricane. There simply is no where for all of them to go.