Burned a couple of weeks shopping for coverage for our boat before spring launch. Lesson one: a low premium usually means a pile of exclusions. Look at agreed value vs actual cash value — on an ACV policy, depreciation eats the payout after a total loss. If the boat is older, expect the insurer to ask for a recent survey. The hard part is the policy wording, so this helped me sort it out: [url=https://yacht-insurance.net]https://yacht-insurance.net[/url] — it covers the main coverage options without the sales talk. Also read the navigation limits carefully: going past the listed waters can get a claim denied. In hurricane country, the named storm deductible is usually a percentage of hull value, not a flat amount. Pay attention to liability limits — wreck removal and guest injuries can exceed the value of the boat itself. Get at least three quotes and read the exclusions before you pay.