I discovered the condition under which it appears:
I make a new listing and make sure Insurance is Optional. Then I schedule the listing. Then I go edit the Scheduled listing and change 1 word in the description, and save it, and voila... it has been saved as Insurance Required. So I edit the Scheduled listing again and change Insurance to Optional, then save it, and still it is saved as Insurance Required. The only way to avoid the situation right now is to make a brand new listing, make insurance optional, and once it is scheduled, never change it.
That is what I have noticed in the last week.