Its not that the insurance companies are going to make you have it, Not to mention there are only the big three left writing. But every week as another accident happens, and the big 2 are achohol, and operator error,your rights to do the last free thing on this earth are being compromised. Many out there are driving their boats in a incorrect mannerand its a matter of time before something goes wrong , and it does. Once youve had a major claim, good luck getting insurance again.I have been traveling out to other locations to help out becausse not everyone can get to me. Its alot cheaper when I make it out to you. If you come to me it cost you flight hotel car rental etc.