It seems insurers are becoming increasingly risk averse, demanding the insured take more and more measures to reduce their risk. My requirements for insurance this year are way more onerous than ever before even though I have insured with same entity for 15 years and have had a zero-claim experience.
The only people who will accurately answer your question are the insurance brokers and even then, that answer may be completely different coming from the same people next year.
For the first time in 5 decades of boat ownership
I am seriously contemplating self-insurance (read no insurance).