FWIW: When I sailed to Hawaii in 2020 and applied for a mooring permit I called BoatUS/Gieco and advised that I needed my policy updated to have Hawaii listed as the additional insured. They sent the form by email the same day. They did not ask how the boat got to Hawaii, but simply treated it as a change of marinas. I paid a pro-rated premium increase because of the risk of hurricanes, but it wasn't much. When I got to Seattle in 2021, I called and had the certificate re-issued for the marina here and got a pro-rated refund. Again, how the boat got from there to here did not come up. The policy covers "coastal waters of the US and Canada" so that helped.
Lee
s/v Morning Star
Valiant 32