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Another innovation born of mobile technology is the move to a sharing economy. People like to connect, and many like to make extra money by sharing stuff they already own. That’s what ride sharing is all about. It links people who need a ride with car owners who want to use their cars to bring in a little extra cash by chauffeuring strangers around town. It’s a business model that seems to fit in Florida where public transportation is often spotty and hailing a cab is simply not possible on every street corner, as it is in a metro like New York City.
Living in Florida means boating season never ends. With the right insurance protection, your boating days can be as carefree as a day at the beach. The type of insurance coverage you get depends upon the boat.
If you have a small boat, such as a canoe or kayak, you may have coverage under your homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home’s insured value. That amount of coverage includes the small boat, motor and anything you may use to tow it. It does not typically include liability insurance.
This time of year, Florida backyard pools are the temperature of bath water. Yet, pools pose a year ‘round hazard. If you own a pool, you must always be on lifeguard duty – even if you are not at home. The duty extends to being mindful of safety precautions and to consider the insurance you’ll need if you ever get sued because someone is injured or drowns in a pool you own.