I guess you don't want to go farther south. That would avoid hurricanes.
I keep my boat in Merritt Island, FL at Harbortown marina. It's well protected. If you want to only
anchor, the barge
canal from Port Canaveral to the ICWW is good place to tie to mangroves. Car rentals to S FL are easy.
There's one bridge that opens for access to the
canal. Check to be sure the lock construction is done (supposed to be end April). There's another bridge that opens to access the ICWW.
You can still take a shot to the
Bahamas from Port Canaveral to abandoned Walkers Cay - 120 miles.
I hear your
insurance issue. I don't get the 35N thing. S Carolina is like FL for hurricanes. Maybe look at changing brokers. Atlass in Cocoa Village insures for
Florida at good rates.