HONOLULU (HawaiiNewsNow) – The state wants boaters to follow a rule on insurance coverage, but many boaters say the rule is impossible to follow. Boaters are required to have insurance to moor a boat at any state harbor. But boat owners are now in an uproar over the requirement to get $100,000 in insurance coverage to salvage their vessel if it runs aground, even if the boat is worth less than that.