Spent about two weeks shopping for yacht insurance before spring launch. Lesson one: a low premium usually hides a pile of exclusions. Look at whether the hull is insured at agreed value or ACV — with ACV, depreciation eats your claim after a total loss. For an older hull, be ready for a request for a fresh marine survey. The hard part is the policy language, so this helped me sort it out: [url=https://yacht-insurance.net]yacht insurance[/url] — it covers the main coverage options without the sales talk. Then check the navigation limits: going past the listed waters can get a claim denied. In hurricane country, the named storm deductible is often a percentage of hull value, not a flat amount. Pay attention to liability limits — wreck removal and damage to other boats can cost more than the boat itself. Get at least three quotes and go through the exclusions before you pay.