I agree, nearly all marinas want insurance coverage just in case........as in just in case, your boat catches fire and burns down half of the marina.
Before you buy your boat, check the slip fees for your size boat. People have been known to buy and boat and then have a heart attack when they find out how much it will cost them to tie it up in a slip.
Im in the same boat as you. The last two boats I had, I purchased in cash. Now Im looking for my third and probably might end up financing it. :O(
'Have a great sail day!'