Again - first time cruiser here. We're doing a 3 night at the end of October, and we've got a great deal. We've been quoted insurance at $49 each for the 1st two people, $39 each for each additional - total of $176 for us. Not sure what this includes as I haven't looked into it that far. 1) Yes, I hate to spend the extra money. But I do LIVE in FLorida, so I'm very familiar with hurricanes. I also know that late October is getting pretty late in the season too, but that's just a gamble and there's no way to know right now. 2) Anyone the best deal and with who? 3) Do you have to purchase it at the time of your deposit, or I guess I should say, what's the latest you can purchase it?