Burned about two weeks comparing quotes on coverage for our boat before the season. The first thing I learned: a low premium often means gaps in coverage. Check whether the hull is insured at agreed value or ACV — with ACV, depreciation eats the payout after a total loss. If the boat is older, be ready for the insurer to ask for a recent survey. Most of the confusion comes from the policy language, so a good starting point is [url=https://yacht-insurance.net]yacht-insurance.net[/url] — it covers the main coverage options in plain English. 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. Don’t skimp on liability either — wreck removal and damage to other boats can cost more than the boat itself. Get at least three quotes and read the exclusions before you sign.