Re: Insurance and cruising...
My new boat is on the deck of a ship in the middle of the Pacific. In order to get the boat to Norfolk and have the final fitting out done had to get an insurance binder. It's staying on a slip in R.I. for a season. Again needed insurance. Think they are more worried about you having liability insurance at the Marinas but need for insurance becoming generic even if you have no loan on the boat ( seems all finance companies require it).