So, turns out it is far easier to get insurance by doing the basic USA versions of comp crew and boating safety
. Much of which can be completed online at low (enough) cost might grab a few extra quotes to be sure though. This lowered my score enough to get reasonable coverage, despite not being very helpful.
Palarran: Because despite not allowing risk to run my life I prefer to minimize risk of loss when possible. I would imagine most people think the same way and just have different thresholds and tolerances.