insurance= gov't backed extortion.
ever been to Vegas ? the favorite phrase is "insurance is for suckers"
But if you must, you must.
Last time I checked Progressive will offer liabiity w/ no haul out or survey quoted me $500 for a 30 + year old 32' FRP sailboat, a year or two back.
I also stayed a couple months at a marina in Fl. that "required liability" , although I had none at the time it was overlooked, the dockmaster basically told me he uses it as a reason to weed out the undesirables.
As with most things in life , its who you know and who you get along with.
Great when it goes your way.
Anchoring is much more pleasurable, and much more economical.
have fun, if your not, what's the point ?