Insurance is still on.. just aren't supposed to be on the water. You can have this waved, for a fee, on your policy Will, just ask for a quote ! Don't imagine it's a big hit, might even be free.. fear is improper winterization etc when using it during the freezing periods. Should be able to ammend your policy for the extra period that you want.. say the 15 days in December for Muskie.. or the Month of March if you've got the itch... or all winter if you do the Niagara.