Scarborough Bluffs Marina has a (relatively) large number of live-aboards and they also have float-homes there. I am pretty sure that Port Credit Marina still has liveaboards. There are a few yacht clubs that have year-around boaters. It's not likely that they are uninsured.
You might try asking around the Dogfish Pub at Scarborough Bluffs - one of the permanent residents will probably be happy to help you out.
Last edited by Sailormann; 05-28-2009 at 11:16 PM.