Spent a couple of weeks comparing quotes on coverage for our boat before the season. Lesson one: a low premium often means a pile of exclusions. Check whether the hull is insured at agreed value or ACV — on an ACV policy, depreciation eats your claim after a total loss. For an older hull, expect the insurer to ask for a recent survey. Most of the confusion comes from the policy wording, so this helped me sort it out: [url=https://yacht-insurance.net]yacht-insurance.net[/url] — it covers the main policy terms in plain English. Then check the navigation limits: cruising outside them can get a claim denied. In hurricane country, the named storm deductible is usually a percentage of hull value, not a flat amount. Don’t skimp on liability either — wreck removal and guest injuries can cost more than the boat itself. Compare two or three carriers and read the exclusions before you pay.