Burned a couple of weeks shopping for coverage for our boat before spring launch. The first thing I learned: a low premium usually hides gaps in coverage. Check whether the hull is insured at agreed value or ACV — with ACV, depreciation cuts the payout after a total loss. For an older hull, be ready for a request for a fresh marine survey. The hard part is the policy wording, so I found a clear breakdown here: [url=https://yacht-insurance.net]yacht insurance[/url] — it lays out the main coverage options in plain English. Also read the navigation limits carefully: going past the listed waters can leave you uncovered. 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 go through the exclusions before you sign.